Credit union · NCUA insured
Technology Credit Union Credit Card Rates
Technology Credit Union credit cards start at 11.65% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Technology Credit Union’s credit card rates compare
Compared with banks and credit unions near San Jose, CA, where Technology Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Technology Credit Union
11.65%APR
- Up to
- 22.65% APR
Visa Classic Card
Lowest rate
Star One Credit Union
8.75%APR
- Up to
- —
2nd-lowest rate
F3 Credit Union
8.99%APR
- Up to
- —
Technology Credit Union credit card score
75
Credit card score
Higher than 40% of U.S. banks and credit unions
- Purchase APRPurchase APR11.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Technology 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 Classic (Share Secured)
Secured credit card option designed to establish or improve credit. Share secured. No annual fee and no foreign transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 22.65% | None | APR for purchases, balance transfers, and cash advances. Cash advance fee / balance transfer fee: 3% of advance amount ($10 minimum) in CA and ID; 2% of advance amount ($2 minimum) in TX. |
Visa Classic Card
Introductory 0% APR on purchases for 12 months from account opening for new accounts, then standard variable APR applies based on creditworthiness. No annual fee and no foreign transaction fees. Membership required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR on purchases for 12 months from new account opening; variable APR of 11.65% to 22.65% thereafter based on creditworthiness |
| Ongoing | 11.65%–22.65% | None | Standard variable APR for purchases, balance transfers, and cash advances. Cash advance fee / balance transfer fee: 3% of advance amount ($10 minimum) in CA and ID; 2% of advance amount ($2 minimum) in TX. No annual fee or foreign transaction fee. |
Visa Signature Card
Introductory 0% APR on purchases for 12 months from account opening for new accounts, then standard variable APR applies based on creditworthiness. No annual fee and no foreign transaction fees. Membership required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR on purchases for 12 months from new account opening; variable APR of 13.65% to 24.65% thereafter based on creditworthiness |
| Ongoing | 13.65%–24.65% | None | Standard variable APR for purchases, balance transfers, and cash advances. Cash advance fee / balance transfer fee: 3% of advance amount ($10 minimum) in CA and ID; 2% of advance amount ($2 minimum) in TX. No annual fee or foreign transaction fee. |
Who can join Technology Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Santa Clara, San Mateo, Alameda, Contra Costa, Santa Cruz, San Francisco, Marin, Napa, Solano, Sonoma, Los Angeles, Orange, San Diego, Sacramento, and San Joaquin Counties in California.
- Membership is open to anyone who lives or works in Canyon or Ada Counties in Idaho.
Employers and groups
- Membership is open to employees and employers of public or private technology-based entities with a location in California.
- Membership is open to employees of TechCU@Work companies anywhere in the United States.
Family and household
- Membership is open to family members of current Tech CU members anywhere in the United States.
Other ways
- Membership is open to members of affiliated organizations including the Financial Fitness Association, the Northern California Human Resource Association (NCHRA), or the San Jose State University Alumni Association (SJSUAA).
Membership information collected October 5, 2026.