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Credit Cards · Martinez, California

Best Credit Union Credit Card Rates in Martinez, California

3 credit unions in Martinez report credit card APRs to the NCUA. Rates range from 8.42% to 11.90%.

Updated Q1 2026 · NCUA Call Report data

3

CUs Reporting Rates

8.42%

Lowest Card APR

10.10%

City Average APR

Credit Card APRs — Martinez, California

3 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1SHELL WESTERN STATES

★ 4.0 · 13 reviews

8.42%8.72%
2MCKESSON & HEALTHCARE PROVIDERS

★ 4.7 · 90 reviews

9.99%10.38%
31ST NORTHERN CALIFORNIA

★ 2.9 · 42 reviews

11.90%8.90%
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 Martinez 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 Martinez credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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