Credit union · NCUA insured
F3 Credit Union Credit Card Rates
Top CarrotF3 Credit Union credit cards start at 8.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How F3 Credit Union’s credit card rates compare
Compared with banks and credit unions near San Francisco, CA, where F3 Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
F3 Credit Union
8.99%APR
- Up to
- —
KickStart Visa
Lowest rate
San Francisco Federal Credit Union
7.45%APR
- Up to
- 17.99% APR
2nd-lowest rate
Sheet Metal Workers Local 104 Federal Credit Union
7.90%APR
- Up to
- —
F3 Credit Union credit card score
88
Credit card score
Higher than 82% of U.S. banks and credit unions
- Purchase APRPurchase APR8.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where F3 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.
Classic Visa
Credit limits as high as $10,000. No annual fee, no cash advance fee, no balance transfer fee, no foreign transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.49% | None | Competitive fixed rates as low as 10.49% APR. Credit limits up to $10,000. $0 annual fee, no cash advance fee, no balance transfer fee, no foreign transaction fees. |
Sources (2)
All captured Oct 7, 2026
KickStart Visa
No cosigner needed. $1,000 limit to get you started. 1.5% Cash Back Rewards. No penalty APR for late payments. $0 annual fee, no cash advance fee, no balance transfer fee, no foreign transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.99% | None | Fixed rates as low as 8.99%. $1,000 limit to get you started. 1.5% Cash Back Rewards. No penalty APR for late payments. $0 annual fee, no cash advance fee, no balance transfer fee, no foreign transaction fees. |
Sources (1)
- f3creditunion.com/product/visa-credit-card · captured Oct 7, 2026
Secured Visa
Credit limit will be the same as your secured deposit up to $7,500. No co-signer needed, no credit needed. $0 annual fee, no cash advance fee, no balance transfer fee, no foreign transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.49% | None | Competitive fixed rates as low as 11.49% APR. Credit limits up to $7,500. $0 annual fee, no cash advance fee, no balance transfer fee, no foreign transaction fees. |
Sources (2)
All captured Oct 7, 2026
Visa Cash Back Rewards
Credit limits as high as $25,000. 1.5% Cash Back Rewards. No penalty APR for late payments. $0 annual fee, no cash advance fee, no balance transfer fee, no foreign transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.99% | None | Competitive fixed rates as low as 13.99% APR. Credit limits up to $25,000. 1.5% Cash Back Rewards. No penalty APR for late payments. $0 annual fee, no cash advance fee, no balance transfer fee, no foreign transaction fees. |
Sources (2)
All captured Oct 7, 2026
Who can join F3 Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Santa Clara County are eligible to join.
Employers and groups
- Employees, contract employees, and legal counsel of the credit union are eligible to join.
Military, government and schools
- Civil Service employees in Santa Clara, San Mateo, Santa Cruz, Monterey, San Benito, and San Francisco counties are eligible to join.
- Employees, retirees, and contract employees of the U.S. Postal Service in 13 Northern California counties are eligible to join.
Cost to join
- A $1 savings deposit is required upon joining.
- There is a $1 membership fee to join.
Membership information collected October 5, 2026.