Credit union · NCUA insured
OceanAir Federal Credit Union Credit Card Rates
OceanAir Federal Credit Union credit cards start at 13.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How OceanAir Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Oxnard, CA, where OceanAir Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
OceanAir Federal Credit Union
13.00%APR
- Up to
- 18.00% APR
Visa Platinum
Lowest rate
Firefighters First Credit Union
8.99%APR
- Up to
- 16.99% APR
2nd-lowest rate
Navy Federal Credit Union
10.24%APR
- Up to
- 18.00% APR
OceanAir Federal Credit Union credit card score
66
Credit card score
Higher than 17% of U.S. banks and credit unions
- Purchase APRPurchase APR13.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OceanAir 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.
EPIC Rewards Platinum Visa
For California Borrowers, the EPIC Rewards Platinum Visa is a secured credit card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | When you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Intro, 12 months | 0.00% | None | Introductory APR for 12 months from account opening. Applies to transactions posted during the first 90 days following account opening. Existing balances on OceanAir loan or credit card accounts are not eligible. Balance transfer fee is 4.00% of the amount of each balance transfer. |
| Ongoing | 18.00% | None | As low as rate. |
Sources (3)
All captured Oct 6, 2026
Horizon Platinum Visa
For California Borrowers, the Horizon Platinum Visa is a secured credit card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | $59 | — |
Sources (2)
All captured Oct 6, 2026
Visa Platinum
For California Borrowers, the Visa Platinum is a secured credit card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.00%–18.00% | None | When you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Intro, 12 months | 0.00% | None | Introductory APR for 12 months from account opening. Applies to transactions posted during the first 90 days following account opening. Existing balances on OceanAir loan or credit card accounts are not eligible. Balance transfer fee is 4.00% of the amount of each balance transfer. |
| Ongoing | 13.00% | None | As low as rate. |
Sources (3)
All captured Oct 6, 2026
Who can join OceanAir Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or members of up to 19 Select Employee Groups qualify for membership.
Military, government and schools
- Civilian employees at CBC and active-duty military personnel qualify for membership.
Other ways
- Individuals nationwide can join through an association created by the credit union.
Membership information collected October 5, 2026.