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Credit union · NCUA insured

Santa Barbara County Federal Credit Union Credit Card Rates

Top Carrot, Carrot Score 87Top Carrot

Santa Barbara County Federal Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.

How Santa Barbara County Federal Credit Union’s credit card rates compare

Compared with banks and credit unions near Santa Maria, CA, where Santa Barbara County Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.

  • Top Carrot, Carrot Score 87

    This credit union’s lowest

    Santa Barbara County Federal Credit Union

    9.90%APR

    Annual fee
    None
    Up to
    15.50% APR

    Visa Credit Card

  • Lowest rate

    Santa Barbara Teachers FCU

    9.00%APR

    Annual fee
    $5
    Up to
    —

    Santa Barbara Teachers FCU rates

  • Top Carrot, Carrot Score 88

    2nd-lowest rate

    CoastHills Credit Union

    9.24%APR

    Annual fee
    None
    Up to
    16.74% APR

    CoastHills Credit Union rates

Compare credit card rates near you →

Santa Barbara County Federal Credit Union credit card score

84

Credit card score

Higher than 65% of U.S. banks and credit unions

By rate
  • 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.

How the score works →

Where Santa Barbara County 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.

Who can join Santa Barbara County Federal Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details
← Santa Barbara County Federal Credit Union overview