Credit Cards · San Jose, California
8 credit unions in San Jose report credit card APRs to the NCUA. Rates range from 10.49% to 15.99%.
Updated Q1 2026 · NCUA Call Report data
8
CUs Reporting Rates
10.49%
Lowest Card APR
13.60%
City Average APR
8 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | F3 ★ 4.2 · 41 reviews | 10.49% | 10.75% |
| 2 | PREMIER ONE ★ 4.0 · 26 reviews | 12.90% | 7.74% |
| 3 | FIRST TECHNOLOGY ★ 4.0 · 302 reviews | 13.00% | 18.00% |
| 4 | TECHNOLOGY ★ 3.3 · 43 reviews | 13.40% | 13.75% |
| 5 | COMMONWEALTH CENTRAL ★ 3.7 · 61 reviews | 13.40% | 11.24% |
| 6 | MIRASTAR ★ 5.0 · 24 reviews | 14.49% | 17.99% |
| 7 | EXCITE ★ 3.5 · 54 reviews | 15.14% | 12.63% |
| 8 | KEYPOINT ★ 4.6 · 78 reviews | 15.99% | 2.99% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in San Jose could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most San Jose 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.