Credit Cards · Torrance, California

Best Credit Union Credit Card Rates in Torrance, California

3 credit unions in Torrance report credit card APRs to the NCUA. Rates range from 9.97% to 11.90%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.97%

Lowest Card APR

10.79%

City Average APR

Credit Card APRs — Torrance, California

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	HONDA ★ 5.0 · 2 reviews	9.97%	14.45%
2	SCHOOLS ★ 3.8 · 43 reviews	10.50%	12.53%
3	TORRANCE COMMUNITY ★ 4.3 · 38 reviews	11.90%	11.50%

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

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