The CenLA Federal Credit Union is a personal credit card from CenLA Federal Credit Union. The annual fee is No Annual Fee. The ongoing APR is 9.9% to 12.6% (rates as of 06/01/2026) after a 0.00% introductory rate for 6 months. Rewards: 1 point per dollar on everyday purchases; redeem for cash back, travel, merchandise or gift cards through uChoose Rewards. This product reports activity to your personal credit report.