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Credit Cards · Concord, California

Best Credit Union Credit Card Rates in Concord, California

2 credit unions in Concord report credit card APRs to the NCUA. Rates range from 10.29% to 10.75%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

10.29%

Lowest Card APR

10.52%

City Average APR

Credit Card APRs — Concord, California

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1DIABLO VALLEY

★ 4.0 · 26 reviews

10.29%4.66%
2PACIFIC SERVICE

★ 4.5 · 119 reviews

10.75%9.74%
Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Lower APR Beats Rewards If You Carry a Balance

On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Concord could save you significantly more than any rewards program.

Join First, Then Apply

You must be a member to get a credit union credit card. Most Concord credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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