Credit Cards · Pasadena, California

Best Credit Union Credit Card Rates in Pasadena, California

5 credit unions in Pasadena report credit card APRs to the NCUA. Rates range from 11.90% to 17.83%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

11.90%

Lowest Card APR

13.36%

City Average APR

Credit Card APRs — Pasadena, California

5 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	THE FIRST FINANCIAL ★ 4.5 · 10 reviews	11.90%	15.99%
2	FIRST CITY ★ 4.0 · 46 reviews	12.00%	11.49%
3	WESCOM CENTRAL ★ 3.8 · 101 reviews	12.09%	11.59%
4	PASADENA ★ 3.3 · 76 reviews	12.99%	14.00%
5	E-CENTRAL ★ 3.3 · 65 reviews	17.83%	12.58%

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

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