Credit union · NCUA insured
PremierOne Credit Union Credit Card Rates
PremierOne Credit Union credit cards start at 14.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How PremierOne Credit Union’s credit card rates compare
Compared with banks and credit unions near San Jose, CA, where PremierOne Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
PremierOne Credit Union
14.00%APR
Visa Gold Rewards
Lowest rate
Star One Credit Union
8.75%APR
2nd-lowest rate
F3 Credit Union
8.99%APR
PremierOne Credit Union credit card score
63
Credit card score
Higher than 9% of U.S. banks and credit unions
- Purchase APRPurchase APR14.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PremierOne 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 Classic
All loans are subject to credit approval. Introductory rates apply for purchases and Balance Transfers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 9 months | 3.99% | None | 3.99% Introductory APR for 9 billing cycles (9 months) on purchases and Balance Transfers. After that, APR will be between 15.90% and 22.90%. |
| Ongoing | 15.90%–22.90% | None | Standard ongoing APR after introductory period. Rate determined by individual credit score; as low as rate includes credit score of 760 or above. Applies to purchases, cash advances, and balance transfers. |
Visa Classic (Share Secured)
All loans are subject to credit approval. Share secured.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Variable rate determined by individual credit score. As low as rate includes credit score of 760 or above. Applies to purchases, cash advances, and balance transfers. |
Sources (1)
- premieronecu.org/rates · captured Oct 16, 2026
Visa Gold Rewards
All loans are subject to credit approval. Introductory rates apply for purchases and Balance Transfers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 9 months | 2.99% | None | 2.99% Introductory APR for 9 billing cycles (9 months) on purchases and Balance Transfers. After that, your APR will be between 14.00% and 15.00%. |
| Ongoing | 14.00%–15.00% | None | Ongoing variable rate for purchases: WSJ Prime Rate + 7%. Rate determined by individual credit score; as low as rate includes credit score of 760 or above. Range 14.00% - 15.00%. |
Visa Platinum
All loans are subject to credit approval. Introductory rates apply for purchases and Balance Transfers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 9 months | 1.99% | None | 1.99% Introductory APR for 9 billing cycles (9 months) on purchases and Balance Transfers. After that, APR will be 12.90%+. |
| Ongoing | 12.90% | None | Standard ongoing APR after introductory period. As low as rate includes a credit score of 760 or above. Applies to purchases, cash advances, and balance transfers. |
Sources (3)
All captured Oct 16, 2026
Who can join PremierOne Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any person who lives, works, attends school, or worships in Santa Clara, Santa Cruz, Monterey, San Benito, Alameda, San Mateo, Merced, San Joaquin, or Stanislaus County is eligible for membership.
Family and household
- Immediate family members of current members may qualify to join.
Membership information collected October 5, 2026.