Credit union · NCUA insured
Pacific Service Credit Union Credit Card Rates
Top CarrotPacific Service Credit Union credit cards start at 10.75% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Pacific Service Credit Union’s credit card rates compare
Compared with banks and credit unions near San Francisco, CA, where Pacific Service Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Pacific Service Credit Union
10.75%APR
- Up to
- 15.75% APR
Visa Platinum Rewards 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
- —
Pacific Service Credit Union credit card score
80
Credit card score
Higher than 52% of U.S. banks and credit unions
- Purchase APRPurchase APR10.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Pacific Service 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 Platinum Rewards Card
Must be 18 or older to apply. Loans subject to all credit union policies and procedures. Membership eligibility required. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.75%–15.75% | None | Variable APR based on creditworthiness at the time of application, and will vary with the market based on the Prime Rate. Same low rate on purchases and cash advances. |
Sources (3)
- pacificservice.org/credit-cards-personal-loans
- pacificservice.org/rates
- pacificservice.org/visa-platinum-rewards-card
All captured Oct 16, 2026
Who can join Pacific Service Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Alameda, Contra Costa, Fresno, Marin, Napa, Placer, Sacramento, San Francisco, San Mateo, Santa Clara, Solano, or Sonoma counties (California) is eligible for membership.
Employers and groups
- Employees of one of Pacific Service CU's business partners are eligible for membership.
- Employees who work regularly for companies served by Pacific Service CU (including contractors, temporary employees on assignment at a PG&E location, and independent contractors on assignment for PG&E) are eligible for membership.
- Employees of a business, corporation, organization, association, or other legal entity currently located in the eligible California counties are eligible for membership.
- Employees or employers of public or private energy-based entities located in California or Texas are eligible for membership.
- Members of the Financial Fitness Association are eligible for membership.
3 more ways to join
Employers and groups
- Employees or retirees of PG&E Corporation and its domestic subsidiaries (including PG&E, PG&E National Energy Group, and Pacific Venture Capital, LLC) are eligible for membership.
Family and household
- Immediate family members of a current Pacific Service CU member (including spouse, children, parents, siblings, grandparents, grandchildren, nephews, nieces, and cousins) are eligible for membership.
- Household members of a current Pacific Service CU member, including roommates, are eligible for membership.
Cost to join
- Membership requires opening a primary savings account with a minimum balance of $5.00.
Membership information collected October 5, 2026.