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Credit Cards · Santa Barbara, California

Best Credit Union Credit Card Rates in Santa Barbara, California

2 credit unions in Santa Barbara report credit card APRs to the NCUA. Rates range from 9.00% to 9.90%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

9.00%

Lowest Card APR

9.45%

City Average APR

Credit Card APRs — Santa Barbara, California

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1SANTA BARBARA TEACHERS

★ 4.1 · 15 reviews

9.00%10.93%
2SANTA BARBARA COUNTY

★ 5.0 · 9 reviews

9.90%9.00%
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 Santa Barbara 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 Santa Barbara credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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