Latino Credit Union Credit Cards

Latino Credit Union is a North Carolina-based credit union open to new members across the United States. The credit union aims to help individuals with no banking history and new immigrants establish credit and learn the financial tools they need to succeed. Browse credit card offers from Latino CU below.

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Latino Credit Union Visa Credit Card

Latino Credit Union Visa Credit Card
Excellent-Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good / Fair
Visa Processing Network
None Annual Fee

Latino Credit Union Visa Credit Card

  • 18.00% variable based on the Prime Rate Regular Purchase APR
  • 18.00% variable based on the Prime Rate Balance Transfer APR
  • 18.00% variable based on the Prime Rate Cash Advance APR

At a Glance

The Latino Credit Union Visa Card is a basic credit card for those new to banking, new to the country, or those who prefer the simplicity of banking with the Latino Credit Union in North Carolina. The card features a competitive APR, no annual fee, and no hidden charges for things like balance transfers, cash advances, or over-the-limit transactions.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • No balance transfer or cash advance fees
  • No penalty APR
  • Regular Purchase APR: 18.00% variable based on the Prime Rate
  • Balance Transfer APR: 18.00% variable based on the Prime Rate
  • Cash Advance APR: 18.00% variable based on the Prime Rate
  • Cash Advance Transaction Fee: $0.75 for each transaction at an ATM
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: $10
  • Return Payment Penalty Fee: $5
  • You already bank with Latino Credit Union
  • You want to help with financial education for immigrant communities in the North Carolina area
  • You aren’t interested in rewards, but rather a competitive interest rate
  • You don’t want to pay an annual fee

Latino Credit Union Visa Secured Card

Latino Credit Union Visa Secured Card
Poor-No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Poor / No Credit Required
Visa Processing Network
None Annual Fee

Latino Credit Union Visa Secured Card

  • 13.00% to 18.00% variable based on the Prime Rate Regular Purchase APR
  • 13.00% to 18.00% variable based on the Prime Rate Balance Transfer APR
  • 13.00% to 18.00% variable based on the Prime Rate Cash Advance APR

At a Glance

The Latino Credit Union Visa Secured Card is an excellent option for those who are new to the United States, new to banking, or new to credit, who want to grow their credit score with financial responsibility. The card, offered by North Carolina credit union, Latino Credit Union, is available to anyone across the U.S., provided they join the credit union and pay the $10 education fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Build credit with financial responsibility
  • Regular Purchase APR: 13.00% to 18.00% variable based on the Prime Rate
  • Balance Transfer APR: 13.00% to 18.00% variable based on the Prime Rate
  • Cash Advance APR: 13.00% to 18.00% variable based on the Prime Rate
  • Cash Advance Transaction Fee: $0.75 for each transaction at an ATM
  • Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: $10
  • Return Payment Penalty Fee: $5
  • Minimum Deposit Required: $500
  • You’re new to banking or have recently arrived in the U.S.
  • You want to rebuild your credit score or establish a credit score for the first time
  • You don’t want to pay an annual fee

About Latino Credit Union

Latino Credit Union is a Durham, North Carolina-based credit union that serves underbanked and immigrant communities in the area.

The credit union was established in 2000 as a grassroots response to a spate of muggings and robberies of the Latino immigrant community in Durham. The stated aim of the credit union is to provide the stimulus of community development and financial education for underbanked and immigrant communities.

Since its founding, Latino Credit Union has become a national model for credit unions that seek to serve underbanked communities. From just one location in Durham, the credit union now boasts a dozen locations and over 87,000 members.

Membership Eligibility

Joining Latino Credit Union is easy – you don’t even have to be Latino. Membership is open to anyone in the United States, and not just North Carolina.

To join Latino Credit Union, applicants must first join the Latino Community Development Center (LCDC). The LCDC is the community service arm of the credit union, providing educational resources to immigrants and those unbanked. A one-time family membership fee of $10 is all it takes to join.

Once you join the LDCD, fill out a Membership Application with the credit union, submit and send any additional information, and wait for a confirmation call from a Latino Credit Union representative.

Branch Locations

Latino Credit Union currently operates 12 branches in North Carolina. For a complete listing of branches, including locations, contact phone numbers, and ATMs, please visit the credit union’s locations page.

FAQs About Latino Credit Union

Here are answers to common questions about Latino Credit Union:

  • Latino CU’s ABA routing number is 053185503.
  • The Latino Community Development Center (LCDC) is the community service arm of the credit union and provides information,r resources, and education for underbanked and immigrant communities in North Carolina. Joining is a requirement of Latino Credit Union membership and costs just $10.
  • The number for Latino CU’s virtual branch is (919) 595 -1800.

Latino Credit Union currently operates 12 branches in North Carolina. These branches are in the following regions:

  • Charlotte, NC
    • Charlotte Meridian
    • Charlotte University City Boulevard
    • Monroe
    • Charlotte South Boulevard
    • Charlotte Milton Road
  • Triad Region, NC
    • Winston-Salem
    • Greensboro
  • Triangle Region, NC
    • Durham North Roxboro
    • Durham Downtown
    • Fayetteville
    • Garner
    • Carrboro
    • Raleigh

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.