Credit union · NCUA insured
UNCLE Credit Union Credit Card Rates
UNCLE Credit Union credit cards start at 12.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How UNCLE Credit Union’s credit card rates compare
Compared with banks and credit unions near San Francisco, CA, where UNCLE Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
UNCLE Credit Union
12.99%APR
- Up to
- 27.99% APR
Platinum
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
- —
UNCLE Credit Union credit card score
67
Credit card score
Higher than 18% of U.S. banks and credit unions
- Purchase APRPurchase APR12.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UNCLE 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.
Choice Rewards
No annual fees. Credit limits from $500 to $40,000. Rates and terms are subject to change and based on creditworthiness. Minimum payment is 2% for APR less than 24.00%, and 3% for APR above 24.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.99%–28.99% | None | Revolving credit. Credit limit $500 to $40,000. Rates and terms subject to change and based on creditworthiness. Minimum payment is 2% for APR under 24.00%, 3% for APR above 24.00%. |
| Intro, 12 months | 2.99%–8.99% | None | Promotional balance transfer rate from 2.99% APR to 8.99% APR depending on creditworthiness. Available for balance transfers completed between 09/01/2026 and 10/25/2026. Promotional rate effective through October 25, 2027 (12 months). A 3% balance transfer fee applies. Then changes to the then-current purchase APR range. |
Sources (5)
- unclecu.org/choicerewards
- unclecu.org/rates
- unclecu.org/creditcards
- unclecu.org
- unclecu.org/balance-transfer
All captured Oct 16, 2026
Platinum
No annual fees. Credit limits from $500 to $40,000. Rates and terms are subject to change and based on creditworthiness. Minimum payment is 2% for APR less than 24.00%, and 3% for APR above 24.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.99%–27.99% | None | Revolving credit. Credit limit $500 to $40,000. Rates and terms subject to change and based on creditworthiness. Minimum payment is 2% for APR under 24.00%, 3% for APR above 24.00%. |
| Intro, 12 months | 2.99%–8.99% | None | Promotional balance transfer rate from 2.99% APR to 8.99% APR depending on creditworthiness. Available for balance transfers completed between 09/01/2026 and 10/25/2026. Promotional rate effective through October 25, 2027 (12 months). A 3% balance transfer fee applies. Then changes to the then-current purchase APR range. |
Sources (4)
All captured Oct 16, 2026
Secured Platinum
Requires a security pledge/savings collateral of 120% of credit limit. Credit limits from $300 to $10,000. No annual fees. Minimum payment is 2% for APR less than 24.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.99% | None | Revolving credit. Requires security pledge of 120% of credit limit in savings account. Credit limit $300 to $10,000. Minimum payment is 2%. Rates and terms subject to change and based on creditworthiness. |
Who can join UNCLE Credit Union
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 go to school in Northern California counties of Alameda, Contra Costa, San Joaquin, or Stanislaus are eligible for membership.
Employers and groups
- Individuals who belong to a select local association or are employees of a member company are eligible for membership.
Other ways
- Individuals who do not fit other criteria can join UNCLE Credit Union by first becoming a member of the Financial Fitness Association.
Cost to join
- Opening an account requires an initial share deposit of $5 or more.
- There is no membership fee to join UNCLE Credit Union.
Membership information collected October 5, 2026.