Credit Cards · California
200 credit unions in California report credit card APRs to the NCUA. Rates range from 4.21% to 22.15%.
Updated Q1 2026 · NCUA Call Report data
200
CUs Reporting Rates
4.21%
Lowest Card APR
12.31%
State Average APR
133
Cities Covered
200 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | NORTHERN REDWOOD Arcata | 4.21% | 11.66% |
| 2 | GLENDALE AREA SCHOOLS GLENDALE | 7.43% | 9.97% |
| 3 | LONG BEACH CITY EMPLOYEES Signal Hill | 7.49% | 8.99% |
| 4 | INTERFAITH MONTCLAIR | 7.58% | 8.48% |
| 5 | CENTER CITY COMMUNITY Buena Park | 7.60% | 8.76% |
| 6 | CALIFORNIA ADVENTIST Glendale | 7.90% | 17.00% |
| 7 | SMW 104 Livermore | 7.90% | 9.70% |
| 8 | FOX LOS ANGELES | 7.95% | 17.49% |
| 9 | ANTIOCH COMMUNITY Antioch | 8.05% | 9.44% |
| 10 | VIDA Ontario | 8.31% | 10.33% |
| 11 | SHELL WESTERN STATES Martinez | 8.42% | 8.72% |
| 12 | FRESNO POLICE DEPARTMENT fresno | 8.47% | 12.81% |
| 13 | STAR ONE SUNNYVALE | 8.75% | 10.75% |
| 14 | FAMILIES AND SCHOOLS TOGETHER Hanford | 8.83% | 11.09% |
| 15 | LA LOMA Loma Linda | 8.90% | 13.49% |
| 16 | SANTA ANA Santa Ana | 8.95% | 10.00% |
| 17 | ONTARIO PUBLIC EMPLOYEES ONTARIO | 8.95% | 11.19% |
| 18 | MEDIA CITY BURBANK | 8.95% | 12.71% |
| 19 | FONTANA Fontana | 8.99% | 8.99% |
| 20 | ORGANIZED LABOR Modesto | 8.99% | 8.99% |
| 21 | FARMERS INSURANCE Burbank | 8.99% | 12.99% |
| 22 | SANTA BARBARA TEACHERS Santa Barbara | 9.00% | 10.93% |
| 23 | ESCONDIDO Escondido | 9.05% | 9.00% |
| 24 | CORRECTIONS Soledad | 9.24% | 11.68% |
| 25 | UNIVERSAL CITY STUDIOS Burbank | 9.41% | 10.09% |
| 26 | FRONTWAVE Oceanside | 9.50% | 16.99% |
| 27 | SAN FRANCISCO San Francisco | 9.51% | 9.13% |
| 28 | SRI MENLO PARK | 9.57% | 9.24% |
| 29 | MISSION CITY Santa Clara | 9.59% | 11.20% |
| 30 | HANIN Los Angeles | 9.80% | 12.50% |
| 31 | EMPLOYEES CHOICE El Cajon | 9.90% | 14.00% |
| 32 | SOUTH BAY Redondo Beach | 9.90% | 15.25% |
| 33 | CALIFORNIA COMMUNITY Sacramento | 9.90% | 10.53% |
| 34 | UPWARD Burlingame | 9.90% | 8.50% |
| 35 | BAKERSFIELD CITY EMPLOYEES BAKERSFIELD | 9.90% | 10.25% |
| 36 | F & A MONTEREY PARK | 9.90% | 9.90% |
| 37 | BLUPEAK San Diego | 9.90% | 10.49% |
| 38 | UME Burbank | 9.90% | 18.00% |
| 39 | SANTA BARBARA COUNTY SANTA BARBARA | 9.90% | 9.00% |
| 40 | GLENDALE Glendale | 9.95% | 9.51% |
| 41 | LONG BEACH FIREMEN S Long Beach | 9.95% | 10.50% |
| 42 | INLAND VALLEY fontana | 9.96% | 11.99% |
| 43 | DELTA SCHOOLS ANTIOCH | 9.97% | 13.13% |
| 44 | HONDA Torrance | 9.97% | 14.45% |
| 45 | POLAM LOS ANGELES | 9.98% | 14.70% |
| 46 | MERCO Merced | 9.99% | 10.79% |
| 47 | CORAZO El Centro | 9.99% | 14.24% |
| 48 | MCKESSON & HEALTHCARE PROVIDERS Martinez | 9.99% | 10.38% |
| 49 | FIREFIGHTERS FIRST Los Angeles | 9.99% | 10.74% |
| 50 | CENTRAL VALLEY FIREFIGHTERS FRESNO | 10.21% | 11.34% |
| 51 | PARTNERS Burbank | 10.24% | 13.24% |
| 52 | DIABLO VALLEY Concord | 10.29% | 4.66% |
| 53 | SISKIYOU Yreka | 10.36% | 12.08% |
| 54 | VA DESERT PACIFIC Long Beach | 10.40% | 8.75% |
| 55 | F3 SAN JOSE | 10.49% | 10.75% |
| 56 | UNIVERSITY Los Angeles | 10.49% | 18.00% |
| 57 | SCHOOLS Torrance | 10.50% | 12.53% |
| 58 | TULARE COUNTY Tulare | 10.50% | 10.28% |
| 59 | U.P.S. EMPLOYEES ONTARIO | 10.50% | 10.24% |
| 60 | CABRILLO San Diego | 10.54% | 10.14% |
| 61 | PROVIDENT REDWOOD CITY | 10.61% | 9.20% |
| 62 | MONTERRA Redwood City | 10.74% | 10.86% |
| 63 | RANCHO DOWNEY | 10.75% | 5.99% |
| 64 | SAN FRANCISCO FIRE San Francisco | 10.75% | 9.25% |
| 65 | PACIFIC SERVICE Concord | 10.75% | 9.74% |
| 66 | MERCED SCHOOL EMPLOYEES MERCED | 10.75% | 12.75% |
| 67 | LASSEN COUNTY Susanville | 10.83% | 7.80% |
| 68 | EL MONTE COMMUNITY El Monte | 10.90% | 12.99% |
| 69 | CHAFFEY Upland | 10.90% | 9.49% |
| 70 | UNITED LOCAL Fresno | 10.97% | 10.64% |
| 71 | MODESTO'S FIRST MODESTO | 10.99% | 15.75% |
| 72 | BEVERLY HILLS CITY EMPLOYEES BEVERLY HILLS | 10.99% | 13.85% |
| 73 | EDUCATIONAL EMPLOYEES FRESNO | 10.99% | 10.00% |
| 74 | CALIFORNIA COAST San Diego | 10.99% | 17.50% |
| 75 | COMPASS COMMUNITY Eureka | 10.99% | 10.23% |
| 76 | ALTAONE Ridgecrest | 10.99% | 10.50% |
| 77 | CAPSTONE ALISO VIEJO | 11.00% | 8.50% |
| 78 | STRATA BAKERSFIELD | 11.00% | 12.20% |
| 79 | SLO San Luis Obispo | 11.05% | 11.92% |
| 80 | UNITED CATHOLICS COVINA | 11.05% | 10.75% |
| 81 | DOWNEY Downey | 11.08% | 9.54% |
| 82 | DESERT VALLEYS Ridgecrest | 11.09% | 10.27% |
| 83 | SAG-AFTRA Burbank | 11.24% | 5.24% |
| 84 | SAFE 1 BAKERSFIELD | 11.25% | 14.49% |
| 85 | BAY CITIES Hayward | 11.26% | 11.72% |
| 86 | YOLO Woodland | 11.26% | 10.24% |
| 87 | I.L.W.U. Long Beach | 11.45% | 10.74% |
| 88 | COMMUNITY FIRST Santa Rosa | 11.49% | 18.99% |
| 89 | EAST COUNTY SCHOOLS EL CAJON | 11.50% | 11.75% |
| 90 | SACRAMENTO Sacramento | 11.50% | 8.99% |
| 91 | PATELCO Dublin | 11.65% | 17.90% |
| 92 | CERTIFIED El Monte | 11.77% | 14.03% |
| 93 | 1ST NORTHERN CALIFORNIA Martinez | 11.90% | 8.90% |
| 94 | THE FIRST FINANCIAL Pasadena | 11.90% | 15.99% |
| 95 | TORRANCE COMMUNITY Torrance | 11.90% | 11.50% |
| 96 | SUN COMMUNITY El Centro | 11.99% | 12.99% |
| 97 | FIRST CITY Pasadena | 12.00% | 11.49% |
| 98 | MID-CITIES Compton | 12.00% | 16.02% |
| 99 | WESCOM CENTRAL PASADENA | 12.09% | 11.59% |
| 100 | NOBLE Fresno | 12.10% | 12.75% |
| 101 | 1ST UNITED Pleasanton | 12.15% | 7.99% |
| 102 | CLEARPATH Burbank | 12.19% | 10.90% |
| 103 | GAIN Burbank | 12.25% | 11.99% |
| 104 | SANTA CRUZ COMMUNITY Santa Cruz | 12.40% | 9.74% |
| 105 | MARIN COUNTY SAN RAFAEL | 12.40% | 12.00% |
| 106 | BEFIT FINANCIAL Vacaville | 12.42% | 5.14% |
| 107 | ALTURA Riverside | 12.49% | 13.49% |
| 108 | MATTEL El Segundo | 12.55% | 16.24% |
| 109 | JACOM los angeles | 12.60% | 10.00% |
| 110 | SEA AIR Seal Beach | 12.65% | 13.51% |
| 111 | CREDIT UNION OF SOUTHERN CA, A Anaheim | 12.65% | 11.49% |
| 112 | L.A. HEALTHCARE LOS ANGELES | 12.68% | 14.44% |
| 113 | COASTHILLS Santa Maria | 12.70% | 17.20% |
| 114 | AMERICAN FIRST BREA | 12.72% | 7.00% |
| 115 | TUCOEMAS VISALIA | 12.74% | 13.71% |
| 116 | PRIORITY ONE South Pasadena | 12.75% | 12.99% |
| 117 | THE POLICE SAN BRUNO | 12.75% | 9.34% |
| 118 | SESLOC SAN LUIS OBISPO | 12.75% | 11.95% |
| 119 | PREMIER ONE San Jose | 12.90% | 7.74% |
| 120 | AEROSPACE Los Angeles | 12.90% | 12.00% |
| 121 | SAN DIEGO FIREFIGHTERS San Diego | 12.90% | 8.49% |
| 122 | GREATER VALLEY FRESNO | 12.90% | 8.47% |
| 123 | KINGS Hanford | 12.95% | 11.73% |
| 124 | SEA WEST COAST GUARD OAKLAND | 12.96% | 11.10% |
| 125 | POSTCITY FINANCIAL Long Beach | 12.99% | 13.99% |
| 126 | UNCLE LIVERMORE | 12.99% | 14.99% |
| 127 | CENTRAL STATE Stockton | 12.99% | 11.99% |
| 128 | PASADENA Pasadena | 12.99% | 14.00% |
| 129 | CALTECH EMPLOYEES La Canada | 13.00% | 13.75% |
| 130 | VALLEY OAK Three Rivers | 13.00% | 10.95% |
| 131 | CALIFORNIA LITHUANIAN Santa Monica | 13.00% | 7.75% |
| 132 | FIRST TECHNOLOGY SAN JOSE | 13.00% | 18.00% |
| 133 | LBS FINANCIAL Long Beach | 13.19% | 14.93% |
| 134 | GOLDEN VALLEY Manteca | 13.20% | 14.90% |
| 135 | SCHOOLSFIRST SANTA ANA | 13.25% | 14.49% |
| 136 | LOS ANGELES Glendale | 13.25% | 16.50% |
| 137 | SIERRA CENTRAL Yuba City | 13.25% | 11.09% |
| 138 | CAL STATE L.A. LOS ANGELES | 13.33% | 11.46% |
| 139 | TECHNOLOGY SAN JOSE | 13.40% | 13.75% |
| 140 | COMMONWEALTH CENTRAL San Jose | 13.40% | 11.24% |
| 141 | SOUTHLAND LOS ALAMITOS | 13.49% | 11.74% |
| 142 | ARROWHEAD Rancho Cucamong | 13.49% | 12.99% |
| 143 | DOW GREAT WESTERN Antioch | 13.54% | 7.73% |
| 144 | USC Los Angeles | 13.55% | 11.35% |
| 145 | SUN PACIFIC Richmond | 13.57% | 12.97% |
| 146 | ALTA VISTA REDLANDS | 13.75% | 9.24% |
| 147 | VENTURA COUNTY Ventura | 13.80% | 10.70% |
| 148 | SAFE FOLSOM | 13.81% | 10.40% |
| 149 | EAGLE COMMUNITY Lake Forest | 13.90% | 18.99% |
| 150 | HUNTINGTON BEACH Huntington Beac | 13.90% | 16.50% |
| 151 | MYPOINT San Diego | 14.00% | 13.75% |
| 152 | SAN DIEGO COUNTY San Diego | 14.24% | 15.50% |
| 153 | FIRST ENTERTAINMENT Hollywood | 14.24% | 12.15% |
| 154 | POPA Cerritos | 14.25% | 17.77% |
| 155 | CAHP SACRAMENTO | 14.31% | 10.18% |
| 156 | OCEANAIR Oxnard | 14.38% | 11.99% |
| 157 | CHRISTIAN COMMUNITY San Dimas | 14.49% | 8.99% |
| 158 | MIRASTAR San Jose | 14.49% | 17.99% |
| 159 | VALLEY STRONG BAKERSFIELD | 14.49% | 10.69% |
| 160 | NORTHROP GRUMMAN Gardena | 14.49% | 9.49% |
| 161 | THINKWISE San Bernardino | 14.50% | 6.14% |
| 162 | CALIFORNIA GLENDALE | 14.50% | 10.34% |
| 163 | FOOTHILL Arcadia | 14.80% | 11.31% |
| 164 | FIRST U.S. COMMUNITY Sacramento | 14.90% | 8.99% |
| 165 | OLIVE VIEW EMPLOYEES SYLMAR | 14.90% | 11.89% |
| 166 | SILVERADO ANGWIN | 14.95% | 13.92% |
| 167 | EDWARDS Edwards | 14.99% | 12.99% |
| 168 | NIKKEI Gardena | 15.00% | 15.50% |
| 169 | POLAM Redwood City | 15.00% | 12.00% |
| 170 | CALCOM LONG BEACH | 15.00% | 16.00% |
| 171 | EXCITE San Jose | 15.14% | 12.63% |
| 172 | VALLEY FIRST Modesto | 15.15% | 11.72% |
| 173 | OPERATING ENGINEERS LOCAL UNION #3 LIVERMORE | 15.22% | 13.57% |
| 174 | KINECTA Manhattan Beach | 15.46% | 11.67% |
| 175 | FIRST CALIFORNIA Fresno | 15.49% | 11.84% |
| 176 | CAMINO Montebello | 15.49% | 11.99% |
| 177 | BAY Capitola | 15.49% | 7.99% |
| 178 | FINANCIAL PARTNERS DOWNEY | 15.64% | 15.46% |
| 179 | KAIPERM Walnut Creek | 15.68% | 5.88% |
| 180 | COAST CENTRAL Eureka | 15.70% | 12.00% |
| 181 | KEYPOINT San Jose | 15.99% | 2.99% |
| 182 | LOGIX Valencia | 16.24% | 16.99% |
| 183 | AMERICA'S CHRISTIAN Glendora | 16.35% | 11.42% |
| 184 | PREMIER AMERICA Chatsworth | 16.45% | 13.34% |
| 185 | THE GOLDEN 1 SACRAMENTO | 16.49% | 11.49% |
| 186 | UNION YES ORANGE | 16.50% | 18.00% |
| 187 | HERITAGE COMMUNITY Rancho Cordova | 16.53% | 13.07% |
| 188 | TECHNICOLOR Burbank | 17.50% | 14.17% |
| 189 | E-CENTRAL PASADENA | 17.83% | 12.58% |
| 190 | NUVISION HUNTINGTON BEAC | 17.90% | 9.99% |
| 191 | LOS ANGELES POLICE Van Nuys | 17.90% | 13.90% |
| 192 | MOCSE Modesto | 17.90% | 14.50% |
| 193 | STANFORD Palo Alto | 17.99% | 11.24% |
| 194 | MISSION San Diego | 17.99% | 10.74% |
| 195 | ORANGE COUNTY'S Santa Ana | 18.00% | 14.15% |
| 196 | RIZE EL MONTE | 18.00% | 14.00% |
| 197 | SKYONE Hawthorne | 18.00% | 9.00% |
| 198 | WHEELHOUSE SAN DIEGO | 18.99% | 13.99% |
| 199 | REDWOOD Santa Rosa | 21.00% | 9.49% |
| 200 | TRAVIS VACAVILLE | 22.15% | 6.49% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in California accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in California offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.