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Credit Cards · Oceanside, California

Best Credit Union Credit Card Rates in Oceanside, California

1 credit union in Oceanside report credit card APRs to the NCUA. Lowest rate: 9.50%.

Updated Q1 2026 · NCUA Call Report data

1

CUs Reporting Rates

9.50%

Lowest Card APR

9.50%

City Average APR

Credit Card APRs — Oceanside, California

1 credit union sorted by APR

#Credit UnionCard APRPersonal Loan APR
1FRONTWAVE

★ 3.4 · 79 reviews

9.50%16.99%
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 Oceanside 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 Oceanside credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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