Credit union · NCUA insured
Certified Federal Credit Union Credit Card Rates
Top CarrotCertified Federal Credit Union credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Certified Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Los Angeles, CA, where Certified Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Certified Federal Credit Union
8.90%APR
- Up to
- 17.90% APR
MORE Rewards Visa
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
- —
Certified Federal Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Certified Federal 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.
MORE Rewards Visa
Non-variable APR based on creditworthiness. Finance charge calculated using average daily balance (including new purchases).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90%–17.90% | None | Non-variable Annual Percentage Rate for Purchases based on credit worthiness. |
| Intro, 6 months | 0.00% | None | Promotional APR of 0% APR is through the first 6 billing cycles from account opening. Eligible for CFCU cardholders when balances are transferred from other institutions. 3% transaction fee (minimum $5.00). Reverts to standard non-variable Visa interest rate after promotional period. |
Sources (2)
All captured Oct 6, 2026
New Start Visa
Non-variable rate based on credit history. Maximum credit limit $25,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.90% | None | Non-variable APR based on credit history. Maximum credit limit $25,000. |
Sources (1)
- certifiedfed.com/rates/platinum-visa-loan-rates · captured Oct 6, 2026
Preferred Visa
Non-variable rate based on credit history. Maximum credit limit $25,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | Non-variable APR based on credit history. Maximum credit limit $25,000. |
Sources (1)
- certifiedfed.com/rates/platinum-visa-loan-rates · captured Oct 6, 2026
Premium Visa
Non-variable rate based on credit history. Maximum credit limit $25,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90% | None | Non-variable APR based on credit history. Maximum credit limit $25,000. |
Sources (1)
- certifiedfed.com/rates/platinum-visa-loan-rates · captured Oct 6, 2026
Share Secured Visa
Non-variable APR secured by share account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Non-variable APR for purchases, balance advances, and cash advances. |
Sources (2)
All captured Oct 6, 2026
Visa Plus
Non-variable rate based on credit history. Maximum credit limit $25,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90% | None | Non-variable APR based on credit history. Maximum credit limit $25,000. |
Sources (1)
- certifiedfed.com/rates/platinum-visa-loan-rates · captured Oct 6, 2026
Who can join Certified Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Associates of participating grocery retailers are eligible for membership.
Family and household
- Family and household members of eligible grocery retailer associates and members are eligible for membership.
Cost to join
- There is no deposit required to join and no monthly fee.
Membership information collected October 5, 2026.