Credit Cards · Redwood City, California

Best Credit Union Credit Card Rates in Redwood City, California

3 credit unions in Redwood City report credit card APRs to the NCUA. Rates range from 10.61% to 15.00%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.61%

Lowest Card APR

12.12%

City Average APR

Credit Card APRs — Redwood City, California

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	PROVIDENT ★ 3.6 · 28 reviews	10.61%	9.20%
2	MONTERRA ★ 3.1 · 51 reviews	10.74%	10.86%
3	POLAM ★ 3.8 · 6 reviews	15.00%	12.00%

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

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