Credit union · NCUA insured
Caltech Employees Federal Credit Union Credit Card Rates
Caltech Employees Federal Credit Union credit card rates start at 12.75% APR. Rates checked October 16, 2026.
How Caltech Employees Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Los Angeles, CA, where Caltech Employees Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Caltech Employees Federal Credit Union
– –
- Up to
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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 Mastercard
All credit subject to approval. For California Borrowers, the Platinum Mastercard is a secured credit card secured by personal property, purchased goods, and money/shares (with special provisions under the Military Lending Act).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.75% | None | Variable APR based on the Prime Rate. Applies to Purchases, Balance Transfers, Cash Advances and Convenience Checks. No annual fee, balance transfer fee, cash advance fee, or foreign transaction fee. |
Sources (2)
- caltechefcu.org/home/products/…ng/mastercard/disclosure
- caltechefcu.org/home/products/lending/mastercard
All captured Oct 7, 2026
Who can join Caltech Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of California Association for Research in Astronomy (CARA) are eligible for membership.
- Employees of the Carnegie Institute of Washington located in Pasadena and Palomar are eligible for membership.
- Independent contractors and documented volunteers who work regularly for a sponsor facility are eligible for membership.
- Employees of Foldax are eligible for membership.
- Employees of Helicity Space are eligible for membership.
- Employees and registered volunteers (docents) of The Huntington Library, Art Collections, and Botanical Gardens are eligible for membership.
11 more ways to join
Employers and groups
- Employees of Thirty Meter Telescope (TMT) are eligible for membership.
- Employees of Virtualitics Inc. are eligible for membership.
Military, government and schools
- The Associates of the California Institute of Technology are eligible for membership.
- Members of the Caltech Alumni Association are eligible for membership.
- Employees of the California Institute of Technology who work at the Campus, Jet Propulsion Laboratory (JPL), Mt. Wilson, Mt. Palomar are eligible for membership.
- Registered graduate and undergraduate students of Caltech are eligible for membership.
- Faculty, administration and students of the Child Educational Center (CEC) are eligible for membership.
- NASA employees at JPL are eligible for membership.
- Faculty, administration and students of the Polytechnic School are eligible for membership.
Family and household
- Immediate family members of current members (spouse, parents, children, siblings, grandparents, grandchildren by blood or marriage, or extended family / significant other living in the same household) are eligible for membership.
Other ways
- Members retired from active employment with eligible groups, unremarried spouses of deceased members, and Caltech and JPL-based clubs and organizations are eligible for membership.
Cost to join
- A minimum opening deposit of $5 is required upon opening any CEFCU Share Account.
- A one-time $5 membership fee is due upon opening any CEFCU Share Account.
Membership information collected October 5, 2026.