Credit Cards · Modesto, California

Best Credit Union Credit Card Rates in Modesto, California

4 credit unions in Modesto report credit card APRs to the NCUA. Rates range from 8.99% to 17.90%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

8.99%

Lowest Card APR

13.26%

City Average APR

Credit Card APRs — Modesto, California

4 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	ORGANIZED LABOR ★ 4.4 · 11 reviews	8.99%	8.99%
2	MODESTO'S FIRST ★ 4.2 · 20 reviews	10.99%	15.75%
3	VALLEY FIRST	15.15%	11.72%
4	MOCSE ★ 3.3 · 45 reviews	17.90%	14.50%

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

Also Compare in Modesto

Best Car Loan Rates →Best Personal Loan Rates →All of California →

Browse All Credit Unions in Modesto

See member reviews, branch locations, and full rate details.

Credit Unions in Modesto →All of California →