Credit union · NCUA insured
Shell Western States FCU Credit Card Rates
Shell Western States FCU credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Shell Western States FCU’s credit card rates compare
Compared with banks and credit unions near San Francisco, CA, where Shell Western States FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Shell Western States FCU
9.90%APR
- Up to
- —
Visa Gold
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
- —
Shell Western States FCU credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- 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.
Where Shell Western States 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 Classic
Fixed rate. No balance transfer fee. No annual fee. Credit extended may be secured for California borrowers. Maximum credit limit up to $6,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.92% | None | Purchases APR is 10.92% (Fixed). |
| Intro, 12 months | 2.99% | None | Introductory APR for balance transfers for a period of 12 billing cycles; applies to transactions posted to your account during the first three months following the opening of your account. After that, your APR will be 13.92%. Any existing balances on Shell Western States Federal Credit Union loan or credit card accounts are not eligible. |
| Ongoing | 13.92% | None | Cash advances APR is 13.92%. |
Visa Classic Secured
Secured credit card. Fixed rate. No balance transfer fee. No annual fee. For California Borrowers, credit extended is secured by personal property and pledged shares/funds.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.92% | None | Purchases APR is 10.92% (Fixed). |
| Intro, 12 months | 2.99% | None | Introductory APR for balance transfers for a period of 12 billing cycles; applies to transactions posted to your account during the first three months following the opening of your account. After that, your APR will be 13.92%. Any existing balances on Shell Western States Federal Credit Union loan or credit card accounts are not eligible. |
| Ongoing | 13.92% | None | Cash advances APR is 13.92%. |
Sources (3)
All captured Oct 7, 2026
Visa Credit Builder
No balance transfer fee. No annual fee. Maximum credit limit up to $500.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.00%–14.00% | None | Purchases APR 12.00% - 14.00% based on creditworthiness. |
| Intro, 12 months | 2.99% | None | Introductory APR for balance transfers for a period of 12 billing cycles; applies to transactions posted to your account during the first three months following the opening of your account. After that, your APR will be 14.00% - 15.00% based on creditworthiness. Any existing balances on Shell Western States Federal Credit Union loan or credit card accounts are not eligible. |
| Ongoing | 12.00%–15.00% | None | Cash advances APR is 12.00% - 15.00% based on creditworthiness. |
Visa Gold
Fixed rate. No balance transfer fee. No annual fee. Credit extended may be secured for California borrowers. Maximum credit limit up to $10,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Purchases APR is 9.90% (Fixed). |
| Intro, 12 months | 2.99% | None | Introductory APR for balance transfers for a period of 12 billing cycles; applies to transactions posted to your account during the first three months following the opening of your account. After that, your APR will be 9.90%. Any existing balances on Shell Western States Federal Credit Union loan or credit card accounts are not eligible. |
| Ongoing | 9.90% | None | Cash advances APR is 9.90%. |
Visa Gold Secured
Secured credit card. Fixed rate. No balance transfer fee. No annual fee. For California Borrowers, credit extended is secured by personal property and pledged shares/funds.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Purchases APR is 9.90% (Fixed). |
| Intro, 12 months | 2.99% | None | Introductory APR for balance transfers for a period of 12 billing cycles; applies to transactions posted to your account during the first three months following the opening of your account. After that, your APR will be 9.90%. Any existing balances on Shell Western States Federal Credit Union loan or credit card accounts are not eligible. |
Sources (3)
All captured Oct 7, 2026
Visa Platinum
Fixed rate. No balance transfer fee. No annual fee. Credit extended may be secured for California borrowers. Maximum credit limit up to $20,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.90% | None | Purchases APR is 7.90% (Fixed). |
| Intro, 12 months | 2.99% | None | Introductory APR for balance transfers for a period of 12 billing cycles; applies to transactions posted to your account during the first three months following the opening of your account. After that, your APR will be 7.90%. Any existing balances on Shell Western States Federal Credit Union loan or credit card accounts are not eligible. |
| Ongoing | 7.90% | None | Cash advances APR is 7.90%. |
Visa Platinum Secured
Secured credit card. Fixed rate. No balance transfer fee. No annual fee. For California Borrowers, credit extended is secured by personal property and pledged shares/funds.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.90% | None | Purchases APR is 7.90% (Fixed). |
| Intro, 12 months | 2.99% | None | Introductory APR for balance transfers for a period of 12 billing cycles; applies to transactions posted to your account during the first three months following the opening of your account. After that, your APR will be 7.90%. Any existing balances on Shell Western States Federal Credit Union loan or credit card accounts are not eligible. |
Sources (3)
All captured Oct 7, 2026
Who can join Shell Western States FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Contra Costa County are eligible for membership.
Family and household
- Individuals who have an immediate family member with an active account with SWSFCU are eligible for membership.
Membership information collected October 5, 2026.