Credit union · NCUA insured
Rancho Federal Credit Union Credit Card Rates
Rancho Federal Credit Union credit cards start at 10.75% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Rancho Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Los Angeles, CA, where Rancho Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Rancho Federal Credit Union
10.75%APR
- Up to
- —
Premier Mastercard
Lowest rate
F&A Credit Union
6.90%APR
- Up to
- 14.50% APR
2nd-lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
Rancho Federal 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 Rancho 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.
Premier Mastercard
Variable APR. Credit limit from $1,000 to $15,000. No annual fee, no balance transfer fee, and 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.75% | None | Variable APR. Credit limit $1,000 to $15,000. |
Regular Mastercard
Fixed APR. Credit limit from $1,000 to $15,000. No annual fee, no balance transfer fee, and 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.96% | None | Fixed APR. Credit limit $1,000 to $15,000. |
Share Secured Mastercard
Fixed APR. Credit limit from $250 to $2,500. Secured by deposits. No annual fee, no balance transfer fee, and 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Fixed APR. Credit limit $250 to $2,500. Secured by shares/deposits. |
Who can join Rancho Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and members of eligible partner companies, unions, and organizations served by Rancho Federal Credit Union are eligible for membership.
- Retirees of eligible partner employer and union groups are eligible for membership.
Military, government and schools
- Los Angeles County employees working at Rancho Los Amigos National Rehabilitation Center, Los Amigos Research and Education Institute, or Internal Service Department Dept #300 are eligible for membership.
Family and household
- Immediate family members and household members of current Rancho Federal Credit Union members in good standing are eligible to join.
Cost to join
- An initial deposit of at least $25.00 into regular savings is required to establish membership.
- A one-time membership fee of $5.00 is required to join.
Membership information collected October 5, 2026.