Credit union · NCUA insured
American First Credit Union Credit Card Rates
American First Credit Union credit cards start at 12.20% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How American First Credit Union’s credit card rates compare
Compared with banks and credit unions near Los Angeles, CA, where American First Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
American First Credit Union
12.20%APR
- Up to
- 21.70% APR
AFCU Credit Card with uChoose Rewards
Lowest rate
F&A Credit Union
6.90%APR
- Up to
- 14.50% APR
2nd-lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
American First Credit Union credit card score
71
Credit card score
Higher than 30% of U.S. banks and credit unions
- Purchase APRPurchase APR12.20%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where American First 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.
AFCU Credit Card with uChoose Rewards
A one time $5 lifetime membership may apply. Rate shown includes 0.50% discount for automatic payments from an American First account; if canceled, rate may increase by 0.50%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.20%–21.70% | None | APR subject to change with the market based on the Prime Rate. Rate shown includes 0.50% discount for automatic payments from an American First account. If the automatic payment option is canceled during the life of the loan, the rate(s) on the entire outstanding and future balance(s) may subsequently increase by 0.50%. A one time $5 lifetime membership may apply. |
One more rate on its site comes from an older rate sheet (2020) and isn’t shown as current.
Sources (2)
All captured Oct 16, 2026
Secured Credit Card with uChoose Rewards
Deposit cash held as collateral. A one time $5 lifetime membership may apply. Rate shown includes 0.50% discount for automatic payments from an American First account; if canceled, rate may increase by 0.50%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 21.20% | None | APR as low as 21.20%. APR subject to change with the market based on the Prime Rate. Rate shown includes 0.50% discount for automatic payments from an American First account. If the automatic payment option is canceled during the life of the loan, the rate(s) on the entire outstanding and future balance(s) may subsequently increase by 0.50%. A one time $5 lifetime membership may apply. |
Who can join American First 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 available to individuals and small businesses in Orange, Riverside, and San Bernardino counties, as well as 14 surrounding cities.
Employers and groups
- Membership is extended to employees of over 100 partner companies.
Other ways
- Membership is extended through other community groups.
Membership information collected October 5, 2026.