Credit union · NCUA insured
San Antonio Citizens Federal Credit Union Credit Card Rates
San Antonio Citizens Federal Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How San Antonio Citizens Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Tampa, FL, where San Antonio Citizens Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
San Antonio Citizens Federal Credit Union
9.90%APR
- Up to
- —
SACFCU Visa
Lowest rate
Oxford Federal Credit Union
6.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
Family First Credit Union
8.90%APR
- Up to
- —
San Antonio Citizens Federal Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where San Antonio Citizens 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.
SACFCU Visa
Actual terms may depend on creditworthiness and specific card products. For California Borrowers, the Visa Classic is a secured credit card secured by personal property, pledged shares, and other credit union collateral.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Fixed 9.90% APR applies to purchases, balance transfers, and cash advances. No annual fees, balance transfer fees, transaction fees, or cash advance fees. |
Sources (4)
All captured Oct 5, 2026
Who can join San Antonio Citizens Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who lives, works, worships, or attends school in Pasco and Hernando Counties.
Employers and groups
- Open to all businesses located in Pasco and Hernando County, as well as businesses located outside the field of membership owned by persons eligible for membership.
Family and household
- Open to immediate family members of all current or eligible members.
Cost to join
- Requires opening a Savings account with as little as $5.00 by visiting one of four offices.
Membership information collected October 5, 2026.