Credit Cards · Sacramento, California

Best Credit Union Credit Card Rates in Sacramento, California

5 credit unions in Sacramento report credit card APRs to the NCUA. Rates range from 9.90% to 16.49%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.90%

Lowest Card APR

13.42%

City Average APR

Credit Card APRs — Sacramento, California

5 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	CALIFORNIA COMMUNITY ★ 3.2 · 16 reviews	9.90%	10.53%
2	SACRAMENTO ★ 3.9 · 27 reviews	11.50%	8.99%
3	CAHP ★ 4.8 · 13 reviews	14.31%	10.18%
4	FIRST U.S. COMMUNITY ★ 4.0 · 21 reviews	14.90%	8.99%
5	THE GOLDEN 1 ★ 2.4 · 30 reviews	16.49%	11.49%

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

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