Credit Cards · Oakland, California

Best Credit Union Credit Card Rates in Oakland, California

1 credit union in Oakland report credit card APRs to the NCUA. Lowest rate: 12.96%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

12.96%

Lowest Card APR

12.96%

City Average APR

Credit Card APRs — Oakland, California

1 credit union sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	SEA WEST COAST GUARD ★ 3.5 · 15 reviews	12.96%	11.10%

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

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