Latino Credit Union Visa Credit Card
- Annual fee
- None
- Recommended credit
- Excellent / Good / Fair
- Card network
- Visa
- Regular purchase APR
- 18.00% variable based on the Prime Rate
At a glance
The Latino Credit Union Visa Card is a basic credit card for those new to banking, new to the country, or those who prefer the simplicity of banking with the Latino Credit Union in North Carolina. The card features a competitive APR, no annual fee, and no hidden charges for things like balance transfers, cash advances, or over-the-limit transactions.
Our review of the Latino Credit Union Visa Credit Card
If you’re looking for a simple, no-frills credit card with competitive rates, the Latino Credit Union Visa Credit Card may be the right choice for you. This card is perfect for those who prefer straightforward reward structures and want to avoid unnecessary fees.
The Latino CU Visa is designed for individuals who value a competitive APR over flashy perks. With a variable APR on purchases, balance transfers, and cash advances, this card offers rates that are on par with other lenders without breaking the bank.
Membership in Latino Credit Union is open to everyone, regardless of ethnicity or location. With a one-time fee of $10, you can join the credit union and gain access to their financial education programs and community development initiatives.
One of the standout features of the Latino CU Visa is its lack of hidden fees. There are no annual membership fees, over-the-limit fees, balance transaction fees, or cash advance fees to worry about. Plus, the penalty fees for late or returned payments are minimal compared to other credit cards.
While the Latino CU Visa may not offer many additional benefits beyond basic Visa protections, it can be a solid choice for individuals who are new to banking and looking to establish their credit history. However, for those looking for a more robust credit card option, the Latino CU Visa Secured Card may offer better interest rates and benefits.
Overall, the Latino Credit Union Visa Credit Card is a solid choice for those looking for a simple, no-fee credit card option. If you’re new to credit or looking to improve your credit score, this card may be a good fit for your financial needs.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- No balance transfer or cash advance fees
- No penalty APR
Who this card may suit
- You already bank with Latino Credit Union
- You want to help with financial education for immigrant communities in the North Carolina area
- You aren’t interested in rewards, but rather a competitive interest rate
- You don’t want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 18.00% variable based on the Prime Rate |
| Balance Transfer APR | 18.00% variable based on the Prime Rate |
| Cash Advance APR | 18.00% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Fee: $0.75 for each transaction at an ATM |
| Foreign Transaction Fee | 1% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | $10 |
| Return Payment Penalty Fee | $5 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit Fair Credit.
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