Credit union · NCUA insured
Community First Credit Union Credit Card Rates
Community First Credit Union credit cards start at 11.74% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Community First Credit Union’s credit card rates compare
Compared with banks and credit unions near Santa Rosa, CA, where Community First Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Community First Credit Union
11.74%APR
- Up to
- 18.99% APR
Visa Traditional
Lowest rate
Redwood Credit Union
8.99%APR
- Up to
- 9.99% APR
2nd-lowest rate
Patelco Credit Union
10.25%APR
- Up to
- 17.45% APR
Community First Credit Union credit card score
75
Credit card score
Higher than 38% of U.S. banks and credit unions
- Purchase APRPurchase APR11.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Community 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.
Visa Share Secured
Instant approval with secured funds on deposit; credit limit up to $50,000 or 100% of pledged amount. Ability to transition to a traditional card with 12 on-time payments.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.74% | None | Annual Percentage Rate (APR) 16.74%. APR for Balance Transfers 16.74%; APR for Cash Advances 16.74%. |
Sources (2)
All captured Oct 16, 2026
Visa Signature Rewards
Credit limit up to $50,000. Qualification based on membership eligibility, credit history, debt-to-income ratio, ability to repay, employment history, and other factors.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.74%–18.99% | None | Annual Percentage Rate (APR) 13.74% to 18.99%. APR for Balance Transfers 13.74% to 18.99%; APR for Cash Advances 13.74% to 18.99%. |
Sources (2)
All captured Oct 16, 2026
Visa Traditional
Lowest rate card; credit limit up to $50,000. Qualification based on membership eligibility, credit history, debt-to-income ratio, ability to repay, employment history, and other factors.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.74%–18.99% | None | Annual Percentage Rate (APR) 11.74% to 18.99%. APR for Balance Transfers 11.74% to 18.99%; APR for Cash Advances 11.74% to 18.99%. |
Sources (2)
All captured Oct 16, 2026
Who can join Community 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
- Individuals who live, work, worship, or go to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County are eligible to join.
Family and household
- Individuals who have an immediate relative who lives, works, worships, or goes to school in Humboldt, Lake, Marin, Mendocino, Napa, Sonoma, or Trinity County are eligible to join.
Cost to join
- A minimum opening deposit of $25 is required to open an account.
Membership information collected October 5, 2026.