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Credit Cards · Vacaville, California

Best Credit Union Credit Card Rates in Vacaville, California

2 credit unions in Vacaville report credit card APRs to the NCUA. Rates range from 12.42% to 22.15%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

12.42%

Lowest Card APR

17.29%

City Average APR

Credit Card APRs — Vacaville, California

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1BEFIT FINANCIAL

★ 4.7 · 15 reviews

12.42%5.14%
2TRAVIS

★ 3.1 · 46 reviews

22.15%6.49%
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 Vacaville 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 Vacaville credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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