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Credit Cards · Ridgecrest, California

Best Credit Union Credit Card Rates in Ridgecrest, California

2 credit unions in Ridgecrest report credit card APRs to the NCUA. Rates range from 10.99% to 11.09%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

10.99%

Lowest Card APR

11.04%

City Average APR

Credit Card APRs — Ridgecrest, California

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1ALTAONE

★ 2.9 · 53 reviews

10.99%10.50%
2DESERT VALLEYS

★ 4.9 · 329 reviews

11.09%10.27%
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 Ridgecrest 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 Ridgecrest credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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