Credit union · NCUA insured
MyPoint Credit Union Credit Card Rates
MyPoint Credit Union credit card rates start at 11.99% APR. Rates checked October 16, 2026.
How MyPoint Credit Union’s credit card rates compare
Compared with banks and credit unions near San Diego, CA, where MyPoint Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
MyPoint Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
Certified Federal Credit Union
8.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
Frontwave Credit Union
9.50%APR
- Up to
- —
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.
MyPoint Perks Visa
Must meet membership eligibility and lending criteria. Credit line up to $50,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 2.99% | None | Introductory 2.99% APR applies to purchases that post to your account within 120 days of account opening. This introductory rate lasts for 12 months from the account opening date. |
| Ongoing | 14.25%–21.75% | None | Standard variable APR for purchases based on the Prime Rate plus a margin. Variable APR adjusts on the first day of the following month's billing cycle. |
| Ongoing | 20.25%–27.75% | None | Standard variable APR for cash advances based on the Prime Rate plus a margin. Variable APR adjusts on the first day of the following month's billing cycle. |
Sources (3)
- mypointcu.com/borrow/credit-cards/credit-cards
- mypointcu.com/borrow/rates/visa-rates
- mypointcu.com/perks-visa
All captured Oct 6, 2026
Share Secured Visa
Eligibility: Share Savings Account balance determines credit limit (up to $5,000).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 21.50% | None | Variable APR for purchases based on the Prime Rate plus a margin. Variable APR adjusts on the first day of the following month's billing cycle. Listed as Savings Secured on rates table. |
| Ongoing | 27.50% | None | Variable APR for cash advances based on the Prime Rate plus a margin. Variable APR adjusts on the first day of the following month's billing cycle. Listed as Savings Secured on rates table. |
Sources (2)
All captured Oct 6, 2026
Student Visa
Eligibility: Student 18+ with proof of income or assets. Credit line $300 to $500.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.25%–21.75% | None | Variable APR for purchases based on the Prime Rate plus a margin. Variable APR adjusts on the first day of the following month's billing cycle. |
| Ongoing | 20.25%–27.75% | None | Variable APR for cash advances based on the Prime Rate plus a margin. Variable APR adjusts on the first day of the following month's billing cycle. |
Sources (2)
All captured Oct 6, 2026
Ultra Visa
Must meet membership eligibility and lending criteria. Credit line up to $50,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 2.99% | None | Introductory 2.99% APR applies to purchases that post to your account within 120 days of account opening. This introductory rate lasts for 12 months from the account opening date. |
| Ongoing | 11.99%–19.49% | None | Standard variable APR for purchases based on the Prime Rate plus a margin. Variable APR adjusts on the first day of the following month's billing cycle. |
| Ongoing | 17.99%–25.49% | None | Standard variable APR for cash advances based on the Prime Rate plus a margin. Variable APR adjusts on the first day of the following month's billing cycle. |
Sources (2)
All captured Oct 6, 2026
Who can join MyPoint Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to anyone who lives, works, or worships in San Diego and Riverside Counties.
Family and household
- Immediate family members of existing members are eligible to join.
Membership information collected October 5, 2026.