Los Angeles police officers that are looking for a basic credit card with a great interest rate should consider joining the Los Angles Police Federal Credit Union instead of applying for a bank credit card. Credit unions typically offer better rates on their cards, but only credit union members are eligible to apply. Since credit unions require their members to live in certain areas or work in certain industries, you need to look closely at membership requirements before looking at their credit card rates.
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There are many differences between credit unions and banks, and each has their own benefits and drawbacks. Websites like Smart Money can give you a better idea about which type of financial institution would fit your needs the best.
Los Angeles Police Federal Credit Union Visa Classic Credit Card Rates
The Los Angeles Police FCU’s Visa Classic Credit card’s annual percentage rate will be 13.99%, 15.99%, 16.99%, or 17.90% depending on the cardholder’s creditworthiness. This rate applies to purchases and balance transfers as well as cash advances. There is a six-month, no-interest credit card introductory period for purchases, balance transfers, and cash advances.
This credit card also has a penalty interest rate of 17.90%. This means that if the cardholder has a payment returned or their credit card payment is late, their interest rate will automatically be increased to this amount until they can make six payments on time.
Los Angles Police Federal Credit Union Visa Classic Credit Card Fees
There is no annual fee or balance transfer fee for this credit card.
There is a 2% transaction fee for cash advances. Cash advances have a minimum fee of $2 and maximum fee of $25. A foreign transaction has a fee of 1% if the transaction is not in United States currency and only .8% if the transaction is in United States currency.
There are only two penalty fees for this credit card. There is a late payment fee of $15 and a returned payment fee of $22.
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