Credit union · NCUA insured
Golden Valley Federal Credit Union Credit Card Rates
Golden Valley Federal Credit Union credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Golden Valley Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Stockton, CA, where Golden Valley Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Golden Valley Federal Credit Union
9.99%APR
- Up to
- —
Visa® Credit Card
Lowest rate
Certified Federal Credit Union
8.90%APR
- Up to
- 17.90% APR
3rd-lowest rate
Valley Strong Credit Union
12.25%APR
- Up to
- 18.15% APR
Golden Valley Federal Credit Union credit card score
82
Credit card score
Higher than 58% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Golden Valley 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.
Share Secured Visa®
Borrow up to $10,000 or up to the balance in your Golden Valley savings account, whichever is less. Loans are subject to credit approval; rate determined by credit history/score and ability to pay. Minimum payment of $35 or 3% balance. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | Minimum payment of $35 or 3% balance ($10,000 maximum). Borrow up to $10,000 or up to the balance in Golden Valley savings account, whichever is less. |
Sources (2)
All captured Oct 7, 2026
Visa® Credit Card
Generous credit limits up to $10,000. Loans are subject to credit approval; rate determined by credit history/score and ability to pay. Minimum payment of $35 or 3% balance. Additional discounts may apply for automatic payment transfer from GVFCU checking account and direct deposit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | Fixed rate as low as 9.99% APR. Minimum payment of $35 or 3% balance ($10,000 maximum). No annual fee, no balance transfer or cash advance fees. 25-day grace period to pay off balance without incurring interest charges. |
Sources (2)
All captured Oct 7, 2026
Who can join Golden Valley Federal 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 San Joaquin County are eligible for membership.
Family and household
- Immediate family members of a current Golden Valley Federal Credit Union member are eligible to join regardless of where they live.
Membership information collected October 5, 2026.