Credit union · NCUA insured
Santa Barbara Teachers FCU Credit Card Rates
Santa Barbara Teachers FCU credit cards start at 9.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Santa Barbara Teachers FCU’s credit card rates compare
Compared with banks and credit unions near Santa Maria, CA, where Santa Barbara Teachers FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Santa Barbara Teachers FCU
9.00%APR
- Annual fee
- $5
- Up to
- —
Visa Card
2nd-lowest rate
CoastHills Credit Union
9.24%APR
- Annual fee
- None
- Up to
- 16.74% APR
3rd-lowest rate
Santa Barbara County Federal Credit Union
9.90%APR
- Annual fee
- None
- Up to
- 15.50% APR
Santa Barbara Teachers FCU credit card score
88
Credit card score
Higher than 81% of U.S. banks and credit unions
- Purchase APRPurchase APR9.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Santa Barbara Teachers FCU 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 Card
Available to all members living in Santa Barbara, Ventura, San Luis Obispo or Kern counties, maintaining their $25 minimum share account. On approved credit. New membership fee is $5.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.00% | $5 | Plan is a variable periodic rate (has been 9% APR for more than 10 years). Minimum monthly payment is 5% of the balance, or at least $25. 10-day grace period. |
Sources (1)
- sbtfcu.org/loans/personal-loans/visa-card · captured Oct 7, 2026
Who can join Santa Barbara Teachers FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of approved independent schools are eligible for membership.
- Membership is open to all public school district employees in Santa Barbara County.
Family and household
- Family members (grandparents, parents, husband, wife, brothers, sisters, children and grandchildren) of members may join.
Cost to join
- A minimum deposit of $25 is required.
- A membership fee of $5 is required.
Membership information collected October 5, 2026.