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Credit Cards · El Cajon, California

Best Credit Union Credit Card Rates in El Cajon, California

2 credit unions in El Cajon report credit card APRs to the NCUA. Rates range from 9.90% to 11.50%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

9.90%

Lowest Card APR

10.70%

City Average APR

Credit Card APRs — El Cajon, California

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1EMPLOYEES CHOICE

★ 4.5 · 8 reviews

9.90%14.00%
2EAST COUNTY SCHOOLS

★ 3.5 · 20 reviews

11.50%11.75%
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 El Cajon 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 El Cajon credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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