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Los Angeles Federal Credit Union Signature Rewards Platinum Credit Card
Los Angeles Federal Credit Union Signature Rewards Platinum Credit Card
- 13.99% to 18% variable based on the Prime Rate Regular Purchase APR
- 13.99% to 18% variable based on the Prime Rate Balance Transfer APR
- 13.99% to 18% variable based on the Prime Rate Cash Advance APR
- 4.90% for 6 months (for transactions during the first 90 days) Intro Purchase APR
At a Glance
The Signature Rewards Platinum Credit Card from Los Angeles Federal Credit Union (LAFCU) is a great tool for those who wish to save money while earning rewards from everyday purchases thanks to a competitive, low interest rate, no annual fee, and an intro APR of 0%, but a few of these cards feature a credit limit as high as this credit card from LAFCU.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% APR for first 6 months on all transactions made within 90 days of opening account
- Spend $3,000 in the first 90 days of opening account to earn 6,000 bonus points
- Earn 2 points per dollar spent on gas, groceries, restaurants and travel
- Earn 1 point per dollar spent on net purchases
- Intro Purchase APR: 4.90% for 6 months (for transactions during the first 90 days)
- Regular Purchase APR: 13.99% to 18% variable based on the Prime Rate
- Intro Balance Transfer APR: 4.90% for 6 months (for transactions during the first 90 days)
- Balance Transfer APR: 13.99% to 18% variable based on the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount transferred ($10 minumum and $250 maximum)
- Cash Advance APR: 13.99% to 18% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 2% of the amount advanced plus $2.50, whichever is greater (for advances at ATMs owned by Los Angeles Federal Credit Union)Either $10.00, or 2.00% of the amount advanced, whichever is greater (for advances at ATMs not owned by Los Angeles Federal Credit Union)
- Penalty APR: 17.90%
- Foreign Transaction Fee: 1% of each foreign currency transaction in U.S. dollars. 1% of each U.S. Dollar transaction that occurs in a foreign country.
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $26
- You live in Southern California
- You want a rewards card with no annual fees
- You want to earn rewards points from everyday spending and travel purchases
- You will spend $3,000 in the first 90 days of opening an account to take advantage of a special introductory bonus of 6,000 extra points
- You want a card with a low, competitive annual percentage rate and a hefty line of credit
Los Angeles Federal Credit Union Platinum Visa Credit Card
Los Angeles Federal Credit Union Platinum Visa Credit Card
- 11.99% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 11.99% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 11.99% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 4.90% for 6 months on purchases made during the first 90 days from account opening Intro Purchase APR
At a Glance
The Los Angeles Federal Credit Union Platinum Visa® Credit Card from Los Angeles Federal Credit Union (LAFCU) is a no-frills, pared-down credit card that features the lowest APR this card issuer offers. Cardholders will save money thanks to a special introductory APR for six months, no annual fee, and an extremely competitive, low interest rate after the introductory period, making this card a good fit for anyone who is in search of a simple, easy-to-use credit card for balance transfers and large purchases
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Introductory APR of 2.9% for first 6 months of account approval, on purchases and balance transfers for transactions made within the first 90 days of opening account
- Low interest rates for a personal credit card
- EMV Chip protection, mobile wallet compatibility
- Intro Purchase APR: 4.90% for 6 months on purchases made during the first 90 days from account opening
- Regular Purchase APR: 11.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 4.90% for 6 months on transfers made during the first 90 days from account opening
- Balance Transfer APR: 11.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount transferred ($10 minimum and $250 maximum)
- Cash Advance APR: 11.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 2% of the amount advanced plus $2.50, whichever is greater (for advances at ATMs owned by Los Angeles Federal Credit Union)Either $10 or 2% of the amount advanced, whichever is greater (for advances at ATMs not owned by Los Angeles Federal Credit Union)
- Penalty APR: 17.9%
- Foreign Transaction Fee: 1% of each foreign currency transaction in U.S. dollars. 1% of each U.S. Dollar transaction that occurs in a foreign country.
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $26
- You would like to forgo annual fees
- You want a card with a low interest rate for purchases and balance transfers
- You will take advantage of a special introductory APR rate for six months by making a purchase or balance transfer within 90 days of opening their card account
- You live in the Southern California area
You’ve viewed 5 of 2 credit cards
- Parent
- Stepparent
- Grandparent
- Spouse
- Sibling
- Stepsibling
- Child
- Stepchild
- Adopted child
- Foster child
- Grandchild
To join Los Angeles Federal Credit Union, an aspiring member is required to open a Share Savings account. The minimum deposit is $20.
Branch Locations
LAFCU currently operates seven branches in the Greater Los Angeles area. The credit union also offers fee-free ATMs and shared branch locations through the Co-Op Network of credit unions.
FAQs About LAFCU
Here are answers to commonly asked questions about Los Angeles Federal Credit Union:
- LAFCU’s ABA routing number is 322078370.
- LAFCU stands for Los Angeles Federal Credit Union.
- If you need to speak with a LAFCU customer service representative, call 1-517-622-6600.
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