Skip nav to main content.



  • Did you know that the average credit card balance among Americans in 2021 is $5,525? Based on data from the Federal Reserve, outstanding revolving debt, most of which is credit card debt reached $998.4 billion in July 2021.

    If you have any credit card or personal loan debt, there are ways to reduce your monthly payments and save with LAPFCU! Right now, get $200 when you refinance a personal loan or credit card debt from another lender.1 Act now before this offer ends!

    With personal loan rates as low as 7.49% fixed APR2, it’s a great time to consider debt consolidation. You can consolidate your high interest loans.

    Let us review all your loans to find the best solution for maximum savings and for paying off debt sooner. Plus, we can help you simplify your life with fewer monthly loan payments to juggle. Ask for a free comprehensive review from an experienced Loan Officer today! Call (877) 695-2732.

Questions? Call us @ (877) 695-2732


1Offer valid January 18, 2022 – July 31, 2022. Existing LAPFCU loans do not qualify. Must refinance a personal loan, credit card debt, or vehicle loan (auto, motorcycle, boat and watercraft, motor home and travel trailer loans) from another lender that is at least $10,000. Credit card debt from another lender is eligible for a personal loan refinance. Offer applies to each eligible loan. The $200 will be credited to the primary applicant’s S1 Share Savings Account within 60 days after loan origination. Offer subject to change or cancellation at any time and other restrictions may apply. May not be combined with any other offers. Members who receive the $200 offer cannot refinance the new loan with LAPFCU again for a lower APR. Please ask for complete details. ²APR = Annual Percentage Rate. $100,000 maximum loan amount. To qualify for 7.490% fixed APR for 48 months requires a FICO score of 800 or greater and member must qualify for Member Benefits. Actual APR offered may be higher depending upon applicant’s credit rating and other underwriting factors (Member must participate in automatic payment program and qualify for Member Benefits program at time of funding). Go to for complete details. 48-month term payment example: A 4-year loan at 7.490% fixed APR will have 48 monthly payments of $24.17 per each $1,000 borrowed. All rates, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. Restrictions may apply, ask for complete details.