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Credit Cards · Rancho Cordova, California

Best Credit Union Credit Card Rates in Rancho Cordova, California

1 credit union in Rancho Cordova report credit card APRs to the NCUA. Lowest rate: 16.53%.

Updated Q1 2026 · NCUA Call Report data

1

CUs Reporting Rates

16.53%

Lowest Card APR

16.53%

City Average APR

Credit Card APRs — Rancho Cordova, California

1 credit union sorted by APR

#Credit UnionCard APRPersonal Loan APR
1HERITAGE COMMUNITY

★ 4.5 · 15 reviews

16.53%13.07%
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 Rancho Cordova 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 Rancho Cordova credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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