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SAVINGS, CHECKING, AND CREDIT CARDS

ACCOUNTS

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    We have an array of accounts that will help you save, earn dividends, and build credit wisely.

    We’ll make it easy to save and pay for life’s big moments and everything in between. Become an LAPFCU member today by opening a Share Savings account with as little as $5.

    Check out other ways LAPFCU can help you reach your savings goals.

     

    You’ll love our free checking accounts with unlimited ATM fee reimbursements.1 Plus, there are no monthly fees, ever!

    • EZ – Simple, fee-free checking with no strings attached.
    • Cash Back – Get 3% cash back on all purchases up to $250 every month.2
    • Performance – Earn dividend rewards on your account balance.

     

    Apply for a checking account.

    Our Visa® credit cards are packed with everything you need and more.

    • Platinum Rewards Visa – Variable rates as low as 8.40% APR.3 Plus, earn valuable Rewards points good toward merchandise, travel, or cash back!
    • Classic Visa – non-variable rates starting at 12.99% APR3
    • My First Visa – Members under 21 can start building their credit with non-variable rates starting at 12.99% APR.3 A co-signer or joint applicant may be required. Ask for more details.

    Apply for a credit card. <make an Apply Now button if possible>

    For your convenience, make sure to add your LAPFCU debit and credit cards to your mobile wallet on your smartphone for quick and easy contactless payment in store, online, and within apps! Choose from Apply Pay, Google Pay and Samsung Pay.

Questions? Call us

Disclosures

1Cash reimbursements for domestic ATMs only.

2Three percent (3%) cash back on debit card purchases up to a total cash back of $7.50 per monthly qualification cycle. The following activities do not count toward earning cash back on debit card purchases: ATM-processed transactions and transfers between accounts. If member meets monthly requirements, three percent will be credited to Cash Back Checking Account after monthly end of qualification cycle processing. No minimum balance required; however you must deposit a minimum of $25 to open the account. If you do not meet the requirements per qualification cycle, your account will not earn cash back nor will ATM fees be reimbursed. Qualification cycles will vary from your statement period. One Cash Back Checking Account per member.

3APR = Annual Percentage Rate. Effective rate date as of July 9, 2021. Platinum Rewards Visa has a variable rate of 8.40% APR to 17.90% APR based on your creditworthiness; for Visa Classic and My First Visa is a non-variable rate of 12.99% APR to 17.90% APR based on your creditworthiness. APR is subject to change. The Platinum Rewards Visa APR will vary with the market based on the Prime Rate plus a margin. Cash advance transactions are subject to a cash advance fee which shall be the greater of $2.00 or 2% of the amount of the advance which is posted to the account during the billing cycle, but not to exceed $25.00 per cash advance. Cash advances do not have a grace period, finance charges will be assessed starting the day the charge is posted to your account. There is a 1% fee for foreign transactions in non-U.S. currency and a 0.8% fee for foreign transactions in U.S. dollars.


STATEMENT OF THE MILITARY ANNUAL PERCENTAGE RATE (MAPR)
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). For further important information required under the Military Lending Act pertaining to your payment obligations, please call (877) 695-2732, option 9.