Credit Cards · Santa Ana, California
3 credit unions in Santa Ana report credit card APRs to the NCUA. Rates range from 8.95% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
8.95%
Lowest Card APR
13.40%
City Average APR
3 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | SANTA ANA ★ 4.6 · 105 reviews | 8.95% | 10.00% |
| 2 | SCHOOLSFIRST ★ 4.4 · 188 reviews | 13.25% | 14.49% |
| 3 | ORANGE COUNTY'S | 18.00% | 14.15% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Santa Ana could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Santa Ana 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.