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Credit Cards · Bakersfield, California

Best Credit Union Credit Card Rates in Bakersfield, California

4 credit unions in Bakersfield report credit card APRs to the NCUA. Rates range from 9.90% to 14.49%.

Updated Q1 2026 · NCUA Call Report data

4

CUs Reporting Rates

9.90%

Lowest Card APR

11.66%

City Average APR

Credit Card APRs — Bakersfield, California

4 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1BAKERSFIELD CITY EMPLOYEES

★ 4.8 · 5 reviews

9.90%10.25%
2STRATA

★ 3.3 · 81 reviews

11.00%12.20%
3SAFE 1

★ 3.7 · 59 reviews

11.25%14.49%
4VALLEY STRONG

★ 4.8 · 40 reviews

14.49%10.69%
Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Lower APR Beats Rewards If You Carry a Balance

On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Bakersfield could save you significantly more than any rewards program.

Join First, Then Apply

You must be a member to get a credit union credit card. Most Bakersfield credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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