Credit union · NCUA insured
First City Credit Union Credit Card Rates
First City Credit Union credit cards start at 12.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How First City Credit Union’s credit card rates compare
Compared with banks and credit unions near Los Angeles, CA, where First City Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First City Credit Union
12.00%APR
- Up to
- 18.00% APR
First City 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
- —
First City Credit Union credit card score
72
Credit card score
Higher than 30% of U.S. banks and credit unions
- Purchase APRPurchase APR12.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First City 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.
First City Secured Visa
Secured by Regular Savings account. Earn dividends on savings. Up to $15,000 credit limit. No annual fee. APR is variable based on the Prime Rate and creditworthiness. Average daily balance calculation method.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.99% | None | Introductory APR for first 6 months / 6 billing cycles on purchases, balance transfers, and cash advances. Variable based on Prime Rate after introductory period. |
| Ongoing | 9.00%–18.00% | None | Standard variable APR for purchases, balance transfers, and cash advances based on creditworthiness (as low as 9.00%). Variable based on Prime Rate. |
First City Visa
APR is variable based on the Prime Rate and creditworthiness. Up to $30,000 limit. 25-day grace period on purchases. Average daily balance calculation method. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.99% | None | Introductory APR for first 6 months / 6 billing cycles on purchases, balance transfers, and cash advances. Variable based on Prime Rate after promotional period. |
| Ongoing | 12.00%–18.00% | None | Standard variable APR for purchases, balance transfers, and cash advances based on creditworthiness. Variable based on Prime Rate. |
Who can join First City Credit Union
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