Credit union · NCUA insured
Sun Pacific Federal Credit Union Credit Card Rates
Top CarrotSun Pacific Federal Credit Union credit cards start at 11.95% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Sun Pacific Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near San Francisco, CA, where Sun Pacific Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Sun Pacific Federal Credit Union
11.95%APR
- Up to
- —
Visa Credit Card
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
- —
Sun Pacific Federal Credit Union credit card score
73
Credit card score
Higher than 34% of U.S. banks and credit unions
- Purchase APRPurchase APR11.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sun Pacific 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.
Visa Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.79% | None | Risk Grade A+; Credit limit $10,000 |
| Ongoing | 11.95% | None | Risk Grade A; Income must be greater than $30,000 per annum; Credit limit $7,000 |
| Ongoing | 13.57% | None | Risk Grade B; Credit limit $5,000 |
| Ongoing | 16.85% | None | Risk Grade C; Credit limit $2,000 |
| Ongoing | 17.79% | None | Risk Grade D; Credit limit $750 |
Who can join Sun Pacific Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Region IX Social Security Administration employees are eligible for membership.
Family and household
- Immediate family members of Region IX Social Security Administration employees are eligible for membership.
Cost to join
- A $5 opening deposit into a Regular Share (Savings) Account is required to join.
Membership information collected October 5, 2026.