Credit union · NCUA insured
San Diego County Credit Union Credit Card Rates
San Diego County Credit Union credit cards start at 14.24% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How San Diego County Credit Union’s credit card rates compare
Compared with banks and credit unions near San Diego, CA, where San Diego County Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
San Diego County Credit Union
14.24%APR
- Up to
- 20.24% APR
SDCCU Visa Platinum
Lowest rate
Certified Federal Credit Union
8.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
Frontwave Credit Union
9.50%APR
- Up to
- —
San Diego County Credit Union credit card score
63
Credit card score
Higher than 8% of U.S. banks and credit unions
- Purchase APRPurchase APR14.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where San Diego County 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.
SDCCU Cash Rewards Visa Platinum
Membership required. Variable APR based on the market Prime Rate. Requires opening a $1 savings account to join credit union. Open to anyone living or working in Southern California (Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, or Ventura counties), immediate family/household members of a member, or by joining the Financial Fitness Association for an $8 fee. Cash reward program is available only for well-qualified applicants.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.24%–20.24% | None | Purchase APR varies based on creditworthiness (14.24%, 15.24%, 16.24%, 17.24%, or 20.24%). Variable rate based on Prime Rate. No annual fee. Earn unlimited 1% cash back. |
| Ongoing | 18.24%–24.24% | None | Balance transfer APR varies based on creditworthiness (18.24%, 19.24%, 20.24%, 21.24%, or 24.24%). Variable rate based on Prime Rate. No annual fee. Balance transfer fee: $1.00 or 2.00% of the amount of each balance transfer, whichever is greater. |
Sources (2)
All captured Oct 16, 2026
SDCCU Share Secured Visa Classic
Membership required. Fixed APR. Secured by a portion of shares on deposit at SDCCU equal to 120% of the approved credit limit. Requires opening a $1 savings account to join credit union. Open to anyone living or working in Southern California (Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, or Ventura counties), immediate family/household members of a member, or by joining the Financial Fitness Association for an $8 fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.00% | $20 | Fixed purchase APR of 15.00%. Annual fee is $20. |
Sources (2)
All captured Oct 16, 2026
SDCCU Visa Platinum
Membership required. Variable APR based on the market Prime Rate. Requires opening a $1 savings account to join credit union. Open to anyone living or working in Southern California (Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, or Ventura counties), immediate family/household members of a member, or by joining the Financial Fitness Association for an $8 fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.24%–20.24% | None | Purchase APR varies based on creditworthiness (14.24%, 15.24%, 16.24%, 17.24%, or 20.24%). Variable rate based on Prime Rate. No annual fee. |
| Ongoing | 18.24%–24.24% | None | Balance transfer APR varies based on creditworthiness (18.24%, 19.24%, 20.24%, 21.24%, or 24.24%). Variable rate based on Prime Rate. No annual fee. Balance transfer fee: $1.00 or 2.00% of the amount of each balance transfer, whichever is greater. |
Sources (2)
All captured Oct 16, 2026
SDCCU Visa Platinum with Fly Miles Plus
Membership required. Variable APR based on the market Prime Rate. Requires opening a $1 savings account to join credit union. Open to anyone living or working in Southern California (Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, or Ventura counties), immediate family/household members of a member, or by joining the Financial Fitness Association for an $8 fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.24%–20.24% | $35 | Purchase APR varies based on creditworthiness (14.24%, 15.24%, 16.24%, 17.24%, or 20.24%). Variable rate based on Prime Rate. No annual fee for the first year; $35 annual fee thereafter is waived when total annual purchases exceed $6,000. |
| Ongoing | 18.24%–24.24% | $35 | Balance transfer APR varies based on creditworthiness (18.24%, 19.24%, 20.24%, 21.24%, or 24.24%). Variable rate based on Prime Rate. Balance transfer fee: $1.00 or 2.00% of the amount of each balance transfer, whichever is greater. No annual fee for the first year; $35 annual fee thereafter is waived when total annual purchases exceed $6,000. |
Sources (2)
All captured Oct 16, 2026
SDCCU Visa Signature
Membership required. Variable APR based on the market Prime Rate. Requires opening a $1 savings account to join credit union. Open to anyone living or working in Southern California (Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, or Ventura counties), immediate family/household members of a member, or by joining the Financial Fitness Association for an $8 fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.24%–22.24% | $99 | Purchase APR varies based on creditworthiness (16.24%, 17.24%, 18.24%, 19.24%, or 22.24%). Variable rate based on Prime Rate. No annual fee for the first year, $99 thereafter. |
| Ongoing | 20.24%–26.24% | $99 | Balance transfer APR varies based on creditworthiness (20.24%, 21.24%, 22.24%, 23.24%, or 26.24%). Variable rate based on Prime Rate. Balance transfer fee: $1.00 or 2.00% of the amount of each balance transfer, whichever is greater. No annual fee for the first year, $99 thereafter. |
Sources (2)
All captured Oct 16, 2026
Who can join San Diego County Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to everyone living or working throughout Southern California: Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, or Ventura counties.
Employers and groups
- Membership is open to anyone who joins the Financial Fitness Association for an $8 fee.
Family and household
- Membership is open to any immediate family or household member of a SDCCU member.
Cost to join
- A $1 savings account opening deposit/selection to establish membership.
- A low $8 fee to join the Financial Fitness Association.
Membership information collected October 5, 2026.