Credit union · NCUA insured
United Local Credit Union Credit Card Rates
United Local Credit Union credit cards start at 10.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How United Local Credit Union’s credit card rates compare
Compared with banks and credit unions near Fresno, CA, where United Local Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
United Local Credit Union
10.99%APR
- Up to
- —
Visa Silver
Lowest rate
Central Valley Firefighters Credit Union
9.99%APR
- Up to
- —
2nd-lowest rate
Pacific Service Credit Union
10.75%APR
- Up to
- 15.75% APR
United Local Credit Union credit card score
77
Credit card score
Higher than 44% of U.S. banks and credit unions
- Purchase APRPurchase APR10.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Local 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 Gold
Well established and want to take advantage of the benefit of having maintained your good credit history
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99% | None | Rates starting at; Qualifying conditions apply |
Sources (1)
- unitedlocal.org/loans/visa · captured Oct 7, 2026
Visa Platinum
Well established good credit and want to do a balance transfer of $1,000 or more from another credit card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99% | None | Rates starting at; Qualifying conditions apply |
Sources (1)
- unitedlocal.org/loans/visa · captured Oct 7, 2026
Visa Silver
Established but need the convenience that Visa offers
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99% | None | Rates starting at; Qualifying conditions apply |
Sources (1)
- unitedlocal.org/loans/visa · captured Oct 7, 2026
Visa Standard
For those just starting to build their credit
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99% | None | Rates starting at; Qualifying conditions apply |
Sources (1)
- unitedlocal.org/loans/visa · captured Oct 7, 2026
Who can join United Local Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who lives or works in Fresno, Madera, Tulare, Kings, or Merced Counties.
Employers and groups
- Members of any local union affiliated with the Central Labor Council are eligible for membership.
- Retail Clerks from Fresno, Madera, Tulare, Kings, Mariposa, and Merced counties are eligible for membership.
Membership information collected October 5, 2026.