Credit union · NCUA insured
OE Federal Credit Union Credit Card Rates
OE Federal Credit Union credit cards start at 15.48% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How OE Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near San Francisco, CA, where OE Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
OE Federal Credit Union
15.48%APR
- Up to
- 17.98% APR
Visa STEEL Rewards 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
- —
OE Federal Credit Union credit card score
62
Credit card score
Higher than 6% of U.S. banks and credit unions
- Purchase APRPurchase APR15.48%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OE 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.
Visa STEEL Credit Card
Credit limit ranges from $500 to $20,000. Variable APR based on Prime Rate. No annual fee, balance transfer fee, or cash advance fee. Includes 1% union interest rebate to charity. Strike relief available for qualifying union members.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory 0% APR for first 6 months on new purchases and balance transfers only; does not include cash advances. Reverts to standard APR thereafter. |
| Ongoing | 12.73%–17.73% | None | Standard variable APR after intro period, varying based on the Prime Rate. Credit limit $500 to $20,000. |
Sources (2)
All captured Oct 6, 2026
Visa STEEL Rewards Credit Card
Earns 1.5 points per $1 spent. Credit limit $500 to $20,000 (up to $25,000 depending on credit). Variable APR based on Prime Rate. No annual fee, balance transfer fee, or cash advance fee. Points never expire. 10,000 bonus points after $1,000 in new purchases within first 3 billing cycles.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.48%–17.98% | None | Standard variable APR varying based on the Prime Rate. Earns 1.5 points per $1 spent. Credit limit $500 to $20,000 (up to $25,000). |
Visa STEEL Rewards Secured Credit Card
Requires a minimum deposit of $500 backed by savings to act as collateral/spending line (up to $20,000 limit). Earns 1.5 points per $1 spent. No annual fee or balance transfer fee. 10,000 bonus points after $1,000 in new purchases within first 3 billing cycles.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.73% | None | Standard APR of 12.73%. Earns 1.5 points per $1 spent. |
Sources (2)
All captured Oct 16, 2026
Visa STEEL Secured Credit Card
Requires a minimum refundable deposit of $500 backed by savings to act as collateral/spending line (up to $20,000 limit). No annual fee or balance transfer fee. Designed to build or rebuild credit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory 0% APR for first 6 months on purchases and balance transfers; does not include cash advances. Reverts to standard APR thereafter. Minimum deposit of $500 required. |
| Ongoing | 9.48% | None | Standard APR of 9.48% after 6-month intro period. Minimum deposit of $500 required to act as collateral/line of credit (limits up to $20,000). |
Who can join OE Federal Credit Union
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