Credit Cards · Ontario, California

Best Credit Union Credit Card Rates in Ontario, California

3 credit unions in Ontario report credit card APRs to the NCUA. Rates range from 8.31% to 10.50%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

8.31%

Lowest Card APR

9.25%

City Average APR

Credit Card APRs — Ontario, California

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	VIDA ★ 3.6 · 31 reviews	8.31%	10.33%
2	ONTARIO PUBLIC EMPLOYEES ★ 4.6 · 9 reviews	8.95%	11.19%
3	U.P.S. EMPLOYEES ★ 3.1 · 37 reviews	10.50%	10.24%

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

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Browse All Credit Unions in Ontario

See member reviews, branch locations, and full rate details.

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