Credit union · NCUA insured
Patelco Credit Union Credit Card Rates
Patelco Credit Union credit cards start at 10.25% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Patelco Credit Union’s credit card rates compare
Compared with banks and credit unions near San Francisco, CA, where Patelco Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Patelco Credit Union
10.25%APR
- Up to
- 17.45% APR
Pure Mastercard® 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
- —
Patelco Credit Union credit card score
81
Credit card score
Higher than 56% of U.S. banks and credit unions
- Purchase APRPurchase APR10.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Patelco 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.
Points Rewards World Mastercard® Credit Card
Variable APR based on prime rate plus a margin based on creditworthiness; rate adjusts monthly. Applies to purchases and balance transfers. No annual fee or balance transfer fee. Earn 2X points per $1 on gas and grocery purchases, 1 point per $1 on all other purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.65%–20.15% | None | Variable APR as of 02/26/2026. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on creditworthiness. Applies to Purchases. Amount $300 - $50,000. |
Sources (2)
- patelco.org/credit-cards-and-loans/credit-cards
- patelco.org/credit-cards-and-loans/credit-cards/rewards
All captured Oct 6, 2026
Progress Student Rewards Mastercard® Credit Card
Variable APR based on prime rate plus a margin based on creditworthiness; rate adjusts monthly. Applies to purchases and balance transfers. Designed for students. No annual fee or balance transfer fee. Earn 2X points per $1 on school and grocery purchases, 1 point per $1 on all other purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.65%–20.15% | None | Variable APR as of 04/07/2026. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on creditworthiness. Applies to Purchases. Amount $300 - $5,000. (Table row lists 02/26/2026 while rates header and footnote 1 state effective 04/07/2026). |
Sources (2)
- patelco.org/credit-cards-and-loans/credit-cards
- patelco.org/credit-cards-and-loans/credit-cards/student
All captured Oct 6, 2026
Pure Mastercard® Credit Card
Variable APR based on prime rate plus a margin based on creditworthiness; rate adjusts monthly. Applies to purchases and balance transfers. No annual fee or balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.00%–17.20% | None | Variable APR as of 04/07/2026. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on creditworthiness. Applies to Purchases. Amount $300 - $50,000. (Table row lists 02/26/2026 while rates header and footnote 1 state effective 04/07/2026). |
| Intro, 6 months | 0.00% | None | Bonus Offer: 0% APR for 6 months on balance transfers made in the first 90 days. $0 balance transfer fee. |
Sources (2)
- patelco.org/credit-cards-and-loans/credit-cards
- patelco.org/credit-cards-and-loans/credit-cards/low-rate
All captured Oct 6, 2026
Pure Secured Mastercard® Credit Card
Requires refundable security deposit equal to credit line ($300 to $5,000). Must be at least 18 years of age, have a Social Security number, US address, and US savings or checking account. Variable APR adjusts monthly and equals prime rate for previous month plus a margin range based on creditworthiness. No annual fee, balance transfer fee, over-the-limit fee, or returned payment fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.70% | None | One low variable APR. Variable APR as of 04/07/2026. Rate adjusts monthly and equals prime rate for previous month plus a margin range based on creditworthiness. Applies to Purchases. Credit line equals security deposit ($300 - $5,000). |
Sources (2)
- patelco.org/credit-cards-and-loans/credit-cards
- patelco.org/credit-cards-and-loans/credit-cards/secured
All captured Oct 6, 2026
Who can join Patelco Credit Union
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