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Credit Cards · Gardena, California

Best Credit Union Credit Card Rates in Gardena, California

2 credit unions in Gardena report credit card APRs to the NCUA. Rates range from 14.49% to 15.00%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

14.49%

Lowest Card APR

14.75%

City Average APR

Credit Card APRs — Gardena, California

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1NORTHROP GRUMMAN

★ 3.5 · 59 reviews

14.49%9.49%
2NIKKEI

★ 4.7 · 62 reviews

15.00%15.50%
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 Gardena 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 Gardena credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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