Long Reach Federal Credit Union credit card terms
Credit union · 1 product surveyed · CFPB TCCP survey, Jul-Dec 2025
Long Reach Federal Credit Union reported a surveyed purchase APR of 10.9% (median 10.9%) to the CFPB Terms of Credit Card Plans survey, across 1 product. 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.
Long Reach Federal Credit Union surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 10.9% |
| Median purchase APR | 10.9% |
| Rate type | fixed |
| Intro / promo APR offered | Not reported |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 10.9% |
| Annual fee | — |
| Late fee (median) | $15 |
| Secured card offered | Not reported |
| Products surveyed | 1 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Long Reach Federal Credit Union did not report that field in the survey.
How Long Reach Federal 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. Long Reach Federal Credit Union's median of 10.9% sits around or below the 21% national average APR.
Similar issuers (credit union)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Long Reach Federal Credit Union (this issuer) | 10.9% | 10.9% | — |
| Priority First Federal Credit Union | 8.9% – 15.4% | 10.9% | — |
| Security Service Federal Credit Union | 10.99% – 18% | 10.99% | — |
| Tru Federal Credit Union | 7.99% – 15.99% | 10.99% | — |
| Empower Blue Credit Union | 4% – 18% | 11% | — |
| Homeland Credit Union, Inc. | 3% – 18.99% | 11% | $10 |
| Maui Federal Credit Union | 6.99% – 18% | 10.57% | — |
Priority First Federal Credit Union · Security Service Federal Credit Union · Tru Federal Credit Union · Empower Blue Credit Union · Homeland Credit Union, Inc. · Maui Federal Credit Union
Frequently asked questions
What is Long Reach Federal Credit Union's credit card APR?
Long Reach Federal Credit Union reported a purchase APR of 10.9% to the CFPB Terms of Credit Card Plans survey (median 10.9%), across 1 surveyed product. Rates are fixed. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Long Reach Federal Credit Union charge an annual fee?
Long Reach Federal 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 Long Reach Federal Credit Union a good choice for a low APR?
Long Reach Federal Credit Union is a credit union, and federal credit unions are capped at an 18% APR by law - so its rates (10.9%) 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 Long Reach Federal Credit Union (Long Reach Federal 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