Credit Cards · Livermore, California

Best Credit Union Credit Card Rates in Livermore, California

3 credit unions in Livermore report credit card APRs to the NCUA. Rates range from 7.90% to 15.22%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

7.90%

Lowest Card APR

12.04%

City Average APR

Credit Card APRs — Livermore, California

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	SMW 104 ★ 3.7 · 15 reviews	7.90%	9.70%
2	UNCLE ★ 2.2 · 43 reviews	12.99%	14.99%
3	OPERATING ENGINEERS LOCAL UNION #3 ★ 3.3 · 18 reviews	15.22%	13.57%

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

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