Credit Cards · San Diego, California
8 credit unions in San Diego report credit card APRs to the NCUA. Rates range from 9.90% to 18.99%.
Updated Q1 2026 · NCUA Call Report data
8
CUs Reporting Rates
9.90%
Lowest Card APR
13.69%
City Average APR
8 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | BLUPEAK ★ 3.7 · 46 reviews | 9.90% | 10.49% |
| 2 | CABRILLO ★ 4.8 · 167 reviews | 10.54% | 10.14% |
| 3 | CALIFORNIA COAST ★ 3.4 · 30 reviews | 10.99% | 17.50% |
| 4 | SAN DIEGO FIREFIGHTERS ★ 3.3 · 9 reviews | 12.90% | 8.49% |
| 5 | MYPOINT ★ 3.8 · 42 reviews | 14.00% | 13.75% |
| 6 | SAN DIEGO COUNTY ★ 3.3 · 26 reviews | 14.24% | 15.50% |
| 7 | MISSION ★ 3.8 · 43 reviews | 17.99% | 10.74% |
| 8 | WHEELHOUSE ★ 3.3 · 40 reviews | 18.99% | 13.99% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in San Diego could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most San Diego credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.