Credit union · NCUA insured
Santa Ana Federal Credit Union Credit Card Rates
Top CarrotSanta Ana Federal Credit Union credit cards start at 8.95% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Santa Ana Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Los Angeles, CA, where Santa Ana Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Santa Ana Federal Credit Union
8.95%APR
- Up to
- —
Visa Platinum
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
- —
Santa Ana Federal Credit Union credit card score
89
Credit card score
Higher than 86% of U.S. banks and credit unions
- Purchase APRPurchase APR8.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Santa Ana 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.
Share-Secured Visa
Minimum funding amount is $250. Applicants must provide their last two pay stubs. Rate differential based on credit score; advertised rate based on qualifying credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.95% | None | Fixed rate is 17.95% APR. Minimum funding amount is $250. Last two pay stubs required. Rate differential based on credit score. |
Sources (1)
- safcu.org/credit-cards · captured Sep 16, 2026
Visa Classic
Advertised rate based on qualifying credit score; rate differential based on credit score. Other rates available. Credit limits up to $10,000. 25-day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.95% | None | Fixed rate as low as 13.95% APR based on qualifying credit score. No annual fee. 25-day grace period. Credit limits up to $10,000. |
Sources (1)
- safcu.org/credit-cards · captured Sep 16, 2026
Visa Platinum
Advertised rate based on qualifying credit score; rate differential based on credit score. Other rates available. Credit limits up to $10,000. 25-day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.95% | None | Fixed rate as low as 8.95% APR based on qualifying credit score. No annual fee. 25-day grace period. Credit limits up to $10,000. |
Sources (1)
- safcu.org/credit-cards · captured Sep 16, 2026
Who can join Santa Ana Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone who wishes to join through the Community Impact Fund at no cost is eligible for membership.
Where you live or work
- Individuals who live, work, worship, or attend school in Santa Ana are eligible for membership.
Employers and groups
- Employees of Valued Community Partners are eligible for membership.
Family and household
- Immediate family members of current members are eligible for membership.
Cost to join
- Joining SAFCU requires opening a Share Savings Account.
Membership information collected October 5, 2026.