Cal State L.A. Federal Credit Union offers one of the best credit card values available. Are you using bank and department-store credit cards? If so, you're paying too much in interest charges and fees!
VISA CARD BENEFITS
- Fixed rates as low as 10.90% APR* (see below)
- No annual fee
- Cash advance privileges – at the same rate as purchases
- No fee for balance transfers
- A Share-Secured VISA option for those rebuilding credit
Once you have completed your loan application, please email your application and two most recent paystubs to
All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Subject to credit qualification and periodic credit review.
Current Rates + Apply Now!
Application and Solicitation Disclosure
Interest Rates and Interest Charges
| Annual Percentage Rate (APR) for Purchases Annual Percentage Rate (APR) for Cash Advances Annual Percentage Rate (APR) for Balance Transfers |
Visa Classic 10.90%, 12.90%, 14.90%, 15.90%, 16.90%, or 17.90% when you open your account, based on your creditworthiness. Visa Secured 8.90% |
| Penalty APR and When it Applies |
Visa Classic How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Consumer Finance Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau website. |
Fees
- Annual Fee
- None
Transaction Fees
- Balance Transfer Fee
- None
- Cash Advance Fee
- None
- Foreign Transaction Fee
- None
Penalty Fees
- Late Payment Fee
- Up to $10.00
- Returned Payment Fee
- Up to $25.00
How We Will Calculate Your Balance.
We use a method called "average daily balance (including new purchases)."
Application of Penalty APR.
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.
Effective Date
Rates current as of and subject to change.
Other Disclosures
- Late Payment Fee
- $10.00 of amount or the amount of the required minimum payment, whichever is less, if you are four (4) or more days late in making a payment. In the event you fail to make a payment on time in any of the six (6) billing cycles following the violation, you will be charged $10.00 or the amount of the required minimum payment, whichever is less.
- Returned Payment Fee
- $25.00 or the amount of the required minimum payment, whichever is less.
- Emergency Card Replacement Fee
- $50.00
- PIN Replacement Fee
- $1.00
