Credit union · NCUA insured
1st United Credit Union Credit Card Rates
1st United Credit Union credit card rates start at 9.40% APR. Rates checked October 16, 2026.
How 1st United Credit Union’s credit card rates compare
Compared with banks and credit unions near San Francisco, CA, where 1st United Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
1st United Credit Union
– –
- Up to
- —
No ongoing APR published
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
- —
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.
Visa Platinum
One low rate for purchases, balance transfers, and cash advances. Loans subject to credit approval. Requires consent to recovery of delinquent balances from Credit Union shares.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory rate for first 6 months (180 days) from account opening on purchases and balance transfers. |
| Ongoing | 12.15%–22.15% | None | Standard variable rate tied to Prime Rate based on creditworthiness, applied after 6-month introductory period. |
Sources (2)
All captured Sep 16, 2026
Visa Platinum Rewards with Cashback+
Loans are subject to credit approval. All 1st United credit cards require consent to recovery of delinquent balances from Credit Union shares. Foreign transaction fees are 2.00% of each transaction in USD. CashBack+ details: Cardholders earn 1% CashBack+ Balance on all spending and 3% on restaurants and gas/EV charging up to an annual cap of $4,000 in spending per category per calendar year.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0.00% introductory APR for the first 180 days (six months) following account opening on purchases. |
| Ongoing | 13.40%–23.40% | None | Standard variable rate tied to the Prime Rate based on creditworthiness, applied after introductory period. Inherits purchase scope from introductory rate disclosure. |
Sources (3)
- 1stunitedcu.org/rewards
- 1stunitedcu.org/credit-card-rates
- 1stunitedcu.org/loans-and-credit/product/credit-cards
All captured Oct 16, 2026
Visa Platinum Share Secured
Must be at least 18 years of age. Requires deposit of requested credit limit amount into a 1st United savings account ($250 to $2,500). All 1st United credit cards require consent to recovery of delinquent balances from Credit Union shares. Foreign transaction fees are 2.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.40% | None | Variable rate tied to Prime Rate. Secured by deposit in savings account ($250 to $2,500). No annual fees. |
Sources (3)
- 1stunitedcu.org/credit-card-rates
- 1stunitedcu.org/loans-and-credit/product/credit-cards
- 1stunitedcu.org/visa-platinum-share-secured-card
All captured Oct 16, 2026
Who can join 1st United 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, works, or attends school in Alameda, Contra Costa, San Joaquin, Solano, Stanislaus, or Kings Counties, California.
Employers and groups
- Membership is open to any member of one of the credit union's Select Employee Groups (SEGs).
Family and household
- Membership is open to any immediate family member of a current primary member related by blood or marriage, including living or not living in the same household.
Membership information collected October 5, 2026.