Credit union · NCUA insured
California Credit Union Credit Card Rates
Top CarrotCalifornia Credit Union credit card rates start at 12.40% APR. Rates checked October 16, 2026.
How California Credit Union’s credit card rates compare
Compared with banks and credit unions near Los Angeles, CA, where California Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
California Credit Union
– –
- Up to
- —
No ongoing APR published
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
- —
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.
Platinum Visa®
Must be a credit union member. Zero late fees, zero foreign transaction fees, zero annual fees, zero over-limit fees. Cash advance fee 3% (min $10.00), balance transfer fee 2% (min $5.00).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | As low as 0% introductory APR on purchases made within the first 6 months following account opening. Limited-time offer. Not valid on cash advances. |
| Ongoing | 12.40%–18.00% | None | Variable APR after introductory purchase period. Rates range from 12.40% to 18.00% APR as of June 18, 2026. Subject to increase after account opening. |
| Intro, 12 months | 0.00% | None | As low as 0% introductory APR for 12 months on balance transfers initiated within the first 90 days of account opening. Valid from first qualifying transaction post date for 12 months. Not valid on cash advances. |
Sources (1)
- ccu.com/bank/personal/credit-cards · captured Oct 6, 2026
Rewards Visa®
Must be a credit union member. Zero late fees, zero foreign transaction fees, zero annual fees, zero over-limit fees, zero redemption charges on rewards. Cash advance fee 3% (min $10.00), balance transfer fee 2% (min $5.00). Earn bonus points on streaming, gas, groceries, and dining.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | As low as 0% introductory APR for 12 months on balance transfers initiated within the first 90 days of account opening. Valid from first qualifying transaction post date for 12 months. Not valid on cash advances. |
| Ongoing | 13.40%–18.00% | None | Variable APR after introductory balance transfer period. Rates range from 13.40% to 18.00% APR as of June 18, 2026. Subject to increase after account opening. |
Sources (1)
- ccu.com/bank/personal/credit-cards · captured Oct 6, 2026
Share-Secured Platinum Visa®
Designed for members building or improving credit history. Linked directly to Credit Card Secured Savings Account providing cash backing for credit limit ($500 - $5,000). Automatic approval with verified funds in Credit Card Secured Savings Account (no credit report required). Zero late fees, zero foreign transaction fees, zero annual fees, zero over-limit fees. Apply by phone or branch.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | As low as 0% introductory APR on purchases made within the first 6 months. |
| Ongoing | 18.00% | None | 18.00% variable APR after the 6-month introductory purchase period. |
| Intro, 12 months | 0.00% | None | As low as 0% introductory APR for 12 months on balance transfers made within the first 90 days. |
Sources (1)
- ccu.com/bank/personal/credit-cards · captured Oct 6, 2026
Share-Secured Rewards Visa®
Designed for members with little credit history or less favorable credit background. Linked directly to Credit Card Secured Savings Account providing cash backing for credit limit ($500 - $5,000). Automatic approval with verified funds in Credit Card Secured Savings Account (no credit report required). Zero late fees, zero foreign transaction fees, zero annual fees, zero over limit fees, zero redemption charges on rewards. Apply by phone or branch.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | As low as 0% introductory APR for 12 months on balance transfers made within the first 90 days. |
| Ongoing | 18.00% | None | 18.00% variable APR after the 12-month introductory balance transfer period. |
Sources (1)
- ccu.com/bank/personal/credit-cards · captured Oct 6, 2026
Who can join California Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join through a complimentary membership in the American Consumer Council.
Employers and groups
- Membership is open to any employee, retiree (pensioner or annuitant), or unpaid volunteer of a Partner Organization.
Family and household
- Membership is open to any immediate family, spouse, partner, or household member of a California Credit Union member.
Membership information collected October 5, 2026.