Credit Cards · Eureka, California

Best Credit Union Credit Card Rates in Eureka, California

2 credit unions in Eureka report credit card APRs to the NCUA. Rates range from 10.99% to 15.70%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.99%

Lowest Card APR

13.35%

City Average APR

Credit Card APRs — Eureka, California

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	COMPASS COMMUNITY ★ 3.8 · 28 reviews	10.99%	10.23%
2	COAST CENTRAL ★ 3.8 · 63 reviews	15.70%	12.00%

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 Eureka 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 Eureka credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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