Credit union · NCUA insured
1st Nor Cal® Credit Union Credit Card Rates
Top Carrot1st Nor Cal® Credit Union credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How 1st Nor Cal® Credit Union’s credit card rates compare
Compared with banks and credit unions near San Francisco, CA, where 1st Nor Cal® Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
1st Nor Cal® Credit Union
8.90%APR
- Up to
- —
Premier Plus Credit Card
Lowest rate
San Francisco Federal Credit Union
7.45%APR
- Up to
- 17.99% APR
2nd-lowest rate
Sheet Metal Workers Local 104 Federal Credit Union
7.90%APR
- Up to
- —
1st Nor Cal® Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1st Nor Cal® Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
1st Rewards Credit Card
Earn 1 point per $1 on net purchases (excludes cash advances and balance transfers). Points redeemable for cash back, travel, gift cards, and more. Points expire after 36 months. Credit approval required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.90% | None | Non-variable APR for purchases, balance transfers, and cash advances. Minimum interest charge is $1.00 if charged interest. |
Classic Credit Card
Credit approval required. Membership in good standing required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | Non-variable APR for purchases, balance transfers, and cash advances. Minimum interest charge is $1.00 if charged interest. |
Premier Credit Card
Credit approval required. Membership in good standing required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Non-variable APR for purchases, balance transfers, and cash advances. Minimum interest charge is $1.00 if charged interest. |
Premier Plus Credit Card
Credit approval required. Membership in good standing required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90% | None | Non-variable APR for purchases, balance transfers, and cash advances. Minimum interest charge is $1.00 if charged interest. |
Secured Credit Card
100% of credit limit secured by member's Share Savings Account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.90% | None | Non-variable APR for purchases, balance transfers, and cash advances. 100% secured by Share Savings Account. Minimum interest charge is $1.00 if charged interest. |
Who can join 1st Nor Cal® Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, regularly works, currently attends school, or currently worships in Contra Costa, Solano, or Alameda counties, and businesses/entities located there.
Family and household
- Membership is open to persons within the immediate family or household of a member.
- Membership is open to surviving persons within the immediate family of a deceased member.
Other ways
- Membership is open to corporate or other legal entities listed.
- Membership is open to organizations of eligible persons listed.
- Membership is open to persons retired as pensioners or annuitants from any of the eligible groups listed.
Cost to join
- Membership requires a one-time $5 minimum deposit.
Membership information collected October 5, 2026.