Credit union · NCUA insured
San Francisco Federal Credit Union Credit Card Rates
San Francisco Federal Credit Union credit cards start at 7.45% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How San Francisco Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near San Francisco, CA, where San Francisco Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
San Francisco Federal Credit Union
7.45%APR
- Up to
- 17.99% APR
Visa Platinum Rewards
2nd-lowest rate
Sheet Metal Workers Local 104 Federal Credit Union
7.90%APR
- Up to
- —
3rd-lowest rate
1st Nor Cal® Credit Union
8.90%APR
- Up to
- —
San Francisco Federal Credit Union credit card score
95
Credit card score
Higher than 98% of U.S. banks and credit unions
- Purchase APRPurchase APR7.45%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where San Francisco 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.
Visa Classic Secured
Requires a security deposit upon opening to establish credit line. Variable rate loan subject to credit approval. 25-day interest-free grace period on purchases; interest on cash advances and balance transfers begins on transaction date.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.74%–17.99% | None | Regular variable APR based on Prime Rate (7.00% as of 10/01/2026), max APR 17.99%. Actual APR determined at credit decision. |
Visa Platinum Rewards
Must be at least 18 years old to apply. Variable rate loan subject to credit approval based on credit history, loan terms, and amount borrowed. Includes a 25-day interest-free grace period on purchases; interest on cash advances and balance transfers begins on transaction date. No fee for balance transfers posted within the first 60 days of account opening; transfers after 60 days incur a 1% fee. Foreign transaction fees up to 1% waived. Minimum monthly payment is 1% of total balance due or $15.00, whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.45%–17.99% | None | Regular variable APR based on creditworthiness. Prime Rate is 7.00% as of 10/01/2026. |
Visa Student Platinum Rewards
Must be at least 18 years old and a full-time or part-time college student (proof of enrollment or acceptance letter required). Employment required, but no minimum FICO score required. Variable rate loan subject to credit approval. Includes a 25-day interest-free grace period on purchases; interest on cash advances and balance transfers begins on transaction date. No fee for balance transfers posted within first 60 days; transfers after 60 days incur a 1% fee. Monthly minimum payment is 1% of total balance due or $15.00, whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.49%–17.99% | None | Regular variable APR based on Prime Rate (7.00% as of 10/01/2026). Max APR 17.99%. |
Who can join San Francisco Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.