Credit union · NCUA insured
First U.S. Community Credit Union Credit Card Rates
First U.S. Community Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How First U.S. Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Sacramento, CA, where First U.S. Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First U.S. Community Credit Union
9.90%APR
- Up to
- —
Platinum Preferred - Fixed Rate Visa
Lowest rate
California Community Credit Union
8.90%APR
- Up to
- 14.90% APR
2nd-lowest rate
Firefighters First Credit Union
8.99%APR
- Up to
- 16.99% APR
First U.S. Community Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First U.S. Community 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.
Cash Rewards Visa
New VISA accounts only. One card type per member. Cannot be used to refinance an existing First U.S. loan. Variable rate. Account must be open and in good standing to earn rewards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.20% | None | Variable Rate as low as 15.20%. Income, credit, and other criteria determine actual APR. |
Sources (1)
- firstus.org/loans/visa · captured Oct 16, 2026
Platinum Preferred - Fixed Rate Visa
New VISA accounts only. One card type per member. Cannot be used to refinance an existing First U.S. loan. After intro rate period, rate is fixed and will not increase.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory 0% APR for the first six months. |
| Ongoing | 9.90% | None | Fixed APR as low as 9.90% after the introductory six-month period. Income, credit, and other criteria determine actual APR. |
Sources (1)
- firstus.org/loans/visa · captured Oct 16, 2026
Share Secured Visa
Requires 120% security to limit ratio using funds on deposit. New VISA accounts only. One card type per member. Cannot be used to refinance an existing First U.S. loan.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.90% | None | Fixed Rate as low as 14.90%. 120% security to limit ratio. Income, credit, and other criteria determine actual APR. |
Sources (1)
- firstus.org/loans/visa · captured Oct 16, 2026
Who can join First U.S. Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in Sacramento, Placer, Nevada, El Dorado, Amador, Yuba, Yolo, Sutter, San Joaquin, Solano, Sierra, and Contra Costa counties is eligible to join.
Employers and groups
- SAFEWAY employees in Northern California and Northern Nevada are eligible to join.
Military, government and schools
- Federal employees throughout the State of California are eligible to join.
Family and household
- Immediate family or household members of current First U.S. members are eligible to join.
Membership information collected October 5, 2026.