Credit union · NCUA insured
Monterra Credit Union Credit Card Rates
Monterra Credit Union credit cards start at 12.24% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Monterra Credit Union’s credit card rates compare
Compared with banks and credit unions near San Francisco, CA, where Monterra Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Monterra Credit Union
12.24%APR
- Up to
- 18.00% APR
Visa® Platinum Credit Card
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
- —
Monterra Credit Union credit card score
71
Credit card score
Higher than 29% of U.S. banks and credit unions
- Purchase APRPurchase APR12.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Monterra 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.
Student Visa® Credit Card
Must meet membership eligibility requirements and be a member in good standing. Credit limits from $100 to $2,000. No annual fee. Overdraft protection for Monterra Credit Union checking account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49%–18.00% | None | Variable regular rate based on creditworthiness; rate can change monthly. |
| Intro, 12 months | 2.99% | None | Introductory APR as low as 2.99% for the first 12 months on purchases. Available on a new Visa Platinum Rewards (Student) Credit Card line of credit; applied to purchase transactions posted within the first 90 days of account opening. |
| Intro, 12 months | 1.99% | None | Promotional APR applied to all balance transfers made during the promotional period of 7/1/26 to 10/31/26. Rate good for 12 months (365 days) from the date of the last balance transfer made during the promotional period, then reverts to standard APR. Balance transfer fee waived during promotional period (regular fee 3.00%, min $4, max $300). Purchases and cash advances excluded. |
Visa® Platinum Credit Card
Must meet membership eligibility requirements and be a member in good standing. Credit limits from $500 to $25,000. No annual fee. Overdraft protection for Monterra Credit Union checking account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.24%–18.00% | None | Variable rates based on creditworthiness; rate can change monthly. |
| Intro, 12 months | 1.99% | None | Introductory APR as low as 1.99% for the first 12 months on purchases. Available only on a new Visa Platinum Credit Card line of credit; applied to purchase transactions posted within the first 90 days of account opening. |
| Intro, 12 months | 1.99% | None | Promotional APR applied to all balance transfers made during the promotional period of 7/1/26 to 10/31/26. Rate good for 12 months (365 days) from the date of the last balance transfer made during the promotional period, then reverts to standard APR. Balance transfer fee waived during promotional period (regular fee 3.00%, min $4, max $300). Purchases and cash advances excluded. |
Visa® Platinum Rewards Credit Card
Must meet membership eligibility requirements and be a member in good standing. Credit limits from $500 to $25,000. No annual fee. Overdraft protection for Monterra Credit Union checking account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49%–18.00% | None | Variable regular rate based on creditworthiness; rate can change monthly. |
| Intro, 12 months | 2.99% | None | Introductory APR as low as 2.99% for the first 12 months on purchases. Available on a new Visa Platinum Rewards Credit Card line of credit; applied to purchase transactions posted within the first 90 days of account opening. |
| Intro, 12 months | 1.99% | None | Promotional APR applied to balance transfers made between 7/1/26 and 10/31/26. Rate good for 12 months (365 days) from the date of the last balance transfer made during the promotional period, then reverts to standard APR. Balance transfer fee waived during promotional period (regular fee 3.00%, min $4, max $300). Purchases and cash advances excluded. |
Visa® Secured Credit Card
Requires 110% of the credit limit to be held in a savings account as collateral. Credit limits up to $20,000. No annual fee. Overdraft protection for Monterra Credit Union checking account. Must meet membership eligibility requirements.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49%–18.00% | None | Variable regular rate based on creditworthiness; rate can change monthly. |
| Intro, 12 months | 1.99% | None | Promotional APR applied to all balance transfers made during the promotional period of 7/1/26 to 10/31/26. Rate good for 12 months (365 days) from the date of the last balance transfer made during the promotional period, then reverts to standard APR. Balance transfer fee waived during promotional period (regular fee 3.00%, min $4, max $300). Purchases and cash advances excluded. |
Visa® Signature Credit Card
Must meet membership eligibility requirements and be a member in good standing. Credit limits from $5,000 to $35,000. No annual fee and no foreign transaction fee. Overdraft protection for Monterra Credit Union checking account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.49%–16.49% | None | Variable regular purchase rate based on creditworthiness; rate can change monthly. |
| Intro, 12 months | 1.99% | None | Promotional APR applied to all balance transfers made during the promotional period of 7/1/26 to 10/31/26. Rate good for 12 months (365 days) from the date of the last balance transfer made during the promotional period, then reverts to standard APR. Balance transfer fee waived during promotional period (regular fee 3.00%, min $4, max $300). Purchases and cash advances excluded. |
Who can join Monterra Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.