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Credit Cards · Fontana, California

Best Credit Union Credit Card Rates in Fontana, California

2 credit unions in Fontana report credit card APRs to the NCUA. Rates range from 8.99% to 9.96%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

8.99%

Lowest Card APR

9.48%

City Average APR

Credit Card APRs — Fontana, California

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1FONTANA

★ 3.3 · 23 reviews

8.99%8.99%
2INLAND VALLEY

★ 3.1 · 66 reviews

9.96%11.99%
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 Fontana 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 Fontana credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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