Los Angeles Federal Credit Union Click to Access Credit Counseling Info.   Click to Access Your Accounts Online with e-Branch     INTRODUCTION   SET GOALS   DETERMINE YOUR NEEDS   BUILD A PLAN   FIND THE RIGHT CARD •   IMPROVE YOUR CREDIT RATING   REDUCE DEBT   REACH OUT Which features matter most to you? If you will be paying off your balance each month, the APR will be less important, but a grace period between the purchase and the payment will be essential. If you cannot pay your balance each month, focus on the APR, but beware of teaser rates, which will jump in three to six months. Click here for a Credit Card Comparison Work Sheet.

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