Credit Cards · California, Pennsylvania

Best Credit Union Credit Card Rates in California, Pennsylvania

1 credit union in California report credit card APRs to the NCUA. Lowest rate: 12.50%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

12.50%

Lowest Card APR

12.50%

City Average APR

Credit Card APRs — California, Pennsylvania

1 credit union sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	CAL-ED ★ 3.2 · 9 reviews	12.50%	13.36%

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

Also Compare in California

Best Car Loan Rates →Best Personal Loan Rates →All of Pennsylvania →

Browse All Credit Unions in California

See member reviews, branch locations, and full rate details.

Credit Unions in California →All of Pennsylvania →