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Credit union · NCUA insured

Bay Cities CU Credit Card Rates

Top Carrot, Carrot Score 89Top Carrot

Bay Cities CU credit cards start at 9.50% APR on purchases, after any introductory rate. Rates checked October 16, 2026.

How Bay Cities CU’s credit card rates compare

Compared with banks and credit unions near San Francisco, CA, where Bay Cities CU has the most branches. Ongoing purchase APR, lowest first.

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Bay Cities CU credit card score

87

Credit card score

Higher than 78% of U.S. banks and credit unions

By rate
  • Purchase APRPurchase APR9.50%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

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Where Bay Cities CU 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.

Who can join Bay Cities CU

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Employees or members of companies, organizations, or chambers approved for membership are eligible.
  • Employees, members, or retirees of Teamster Union Locals under Joint Council 7 are eligible for membership.

Military, government and schools

  • Volunteers, employees, or retirees of the Cities of Hayward or San Leandro are eligible for membership.
  • Classified employees or retirees of Southern Alameda County School District are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
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