Credit Cards · Santa Rosa, California
2 credit unions in Santa Rosa report credit card APRs to the NCUA. Rates range from 11.49% to 21.00%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
11.49%
Lowest Card APR
16.25%
City Average APR
2 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | COMMUNITY FIRST ★ 4.2 · 93 reviews | 11.49% | 18.99% |
| 2 | REDWOOD ★ 3.9 · 101 reviews | 21.00% | 9.49% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Santa Rosa could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Santa Rosa 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.