Credit union · Privately insured
SF Fire Credit Union Credit Card Rates
Top CarrotSF Fire Credit Union credit cards start at 11.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How SF Fire Credit Union’s credit card rates compare
Compared with banks and credit unions near San Francisco, CA, where SF Fire Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
SF Fire Credit Union
11.00%APR
- Up to
- 15.00% APR
CSFA Platinum Visa®
Lowest rate
San Francisco Federal Credit Union
7.45%APR
- Up to
- 17.99% APR
2nd-lowest rate
Sheet Metal Workers Local 104 Federal Credit Union
7.90%APR
- Up to
- —
SF Fire Credit Union credit card score
77
Credit card score
Higher than 43% of U.S. banks and credit unions
- Purchase APRPurchase APR11.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SF Fire 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.
CSFA Platinum Visa®
Variable APR adjusts quarterly based on Prime Rate plus 4.00% to 8.00% depending on creditworthiness. Maximum credit limit $25,000. No annual fee, cash advance fee, balance transfer fee, or foreign transaction fee. Supports California State Firefighter's Association.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.00%–15.00% | None | Variable APR adjusts quarterly and equals Prime Rate plus 4.00% to 8.00% depending on creditworthiness. Max credit limit $25,000. $0 annual fee. |
Sources (2)
All captured Oct 6, 2026
SF Fire Credit Union Platinum Visa®
Variable rate adjusts quarterly based on Prime Rate plus 4.00% to 8.00% depending on creditworthiness. Maximum credit limit of $25,000. Floor rate is 11.00% and ceiling rate is 18.00%. No annual fee, balance transfer fee, cash advance fee, or foreign transaction fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.00%–15.00% | None | Variable APR adjusts quarterly and equals Prime Rate plus 4.00% to 8.00% depending on creditworthiness. Max credit limit $25,000. $0 annual fee. 11.00% floor rate and 18.00% ceiling rate. |
Sources (3)
All captured Oct 6, 2026
Who can join SF Fire Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join the credit union by becoming a member of the Community Impact Fund (CIF) at no cost.
Where you live or work
- Individuals who live, work, or attend school in San Francisco, San Mateo, or Marin County are eligible for membership.
Employers and groups
- Active members of the California State Firefighters’ Association are eligible for membership.
Military, government and schools
- Active or retired firefighters in San Francisco, San Mateo, or Marin County, as well as members and employees of Local IAFF 1171, Santa Clara Firefighters, are eligible for membership.
Family and household
- Family of SF Fire Credit Union members are eligible to join.
Membership information collected October 5, 2026.