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Credit Cards · San Francisco, California

Best Credit Union Credit Card Rates in San Francisco, California

2 credit unions in San Francisco report credit card APRs to the NCUA. Rates range from 9.51% to 10.75%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

9.51%

Lowest Card APR

10.13%

City Average APR

Credit Card APRs — San Francisco, California

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1SAN FRANCISCO

★ 4.1 · 510 reviews

9.51%9.13%
2SAN FRANCISCO FIRE

★ 3.6 · 124 reviews

10.75%9.25%
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 San Francisco 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 San Francisco credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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