Latino Community Credit Union credit card terms
Credit union · 2 products surveyed · CFPB TCCP survey, Jul-Dec 2025
Latino Community Credit Union reported a surveyed purchase APR of 11.25% – 16.25% (median 13.75%) to the CFPB Terms of Credit Card Plans survey, across 2 products. As a credit union, its cards are capped at an 18% APR by federal law. No annual fee was reported for its surveyed cards. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Latino Community Credit Union surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 11.25% – 16.25% |
| Median purchase APR | 13.75% |
| Rate type | fixed |
| Intro / promo APR offered | Not reported |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 16.25% |
| Annual fee | — |
| Late fee (median) | $10 |
| Secured card offered | Yes |
| Products surveyed | 2 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Latino Community Credit Union did not report that field in the survey.
How Latino Community Credit Union compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Latino Community Credit Union's median of 13.75% sits around or below the 21% national average APR.
Similar issuers (credit union)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Latino Community Credit Union (this issuer) | 11.25% – 16.25% | 13.75% | — |
| Align Credit Union | 11.75% – 16.75% | 13.75% | — |
| Central Willamette Credit Union | 10.24% – 21.75% | 13.75% | — |
| Credit Union Of New Jersey | 11.65% – 18% | 13.65% | — |
| Achieve Financial Credit Union | 9.9% – 17.9% | 13.9% | — |
| Electel Cooperative Federal Credit Union | 9.9% – 17.9% | 13.9% | — |
| Schoolsfirst Federal Credit Union | 10% – 17.9% | 13.95% | — |
Align Credit Union · Central Willamette Credit Union · Credit Union Of New Jersey · Achieve Financial Credit Union · Electel Cooperative Federal Credit Union · Schoolsfirst Federal Credit Union
Frequently asked questions
What is Latino Community Credit Union's credit card APR?
Latino Community Credit Union reported a purchase APR of 11.25% – 16.25% to the CFPB Terms of Credit Card Plans survey (median 13.75%), across 2 surveyed products. Rates are fixed. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Latino Community Credit Union charge an annual fee?
Latino Community Credit Union did not report an annual fee for its surveyed cards (most general cards from this issuer have no annual fee, though premium cards can). Verify the specific card's terms.
Is Latino Community Credit Union a good choice for a low APR?
Latino Community Credit Union is a credit union, and federal credit unions are capped at an 18% APR by law - so its rates (11.25% – 16.25%) tend to undercut large banks. The CFPB found small banks and credit unions charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) less than large issuers for the same credit tier.
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Sources & accuracy
Terms reported by Latino Community Credit Union (Latino Community Credit Union) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29