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Better Banking Starts With a Better Credit Card

Enjoy all the benefits from an F3 Credit Union credit card. Build credit with competitive rates, flexible payment options, and local support you can count on. 

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Find the Right Credit Card for Your Financial Goals

Visa Cash Back Rewards

  • 1.5% Cash Back Rewards

  • Competitive fixed rates as low as 13.99% *APR

  • Credit Limits as High as $25,000

  • No Penalty *APR for late payments

  • Extra Security Features

  • No Annual Fee

  • No Cash Advance Fee

  • No Balance Transfer Fee

  • No Foreign Transaction Fees

  • No Hidden Fees or Charges

 
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Classic Visa

  • Competitive fixed rates as low as 10.49% *APR

  • Credit Limits as High as $10,000

  • Extra Security Features

  • No Annual Fee

  • No Cash Advance Fee

  • No Balance Transfer Fee

  • No Foreign Transaction Fees

  • No Hidden Fees or Charges 

 
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Secured Visa

  • Competitive fixed rates as low as 11.49% *APR

  • Credit Limits as High as $7500

  • No Annual Fee

  • Extra Security Features

  • No Credit Needed

  • No Co-signer Needed

  • No Cash Advance Fee

  • No Foreign Transaction Fees

  • No Hidden Fees or Charges

  • No Balance Transfer Fee 

 
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Visa KickStart

  • For those with no credit or limited credit

  • 2% cash back on everything you buy

  • Competitive fixed rates as low as 8.99%

  • $1,000 limit to get you started

  • No Annual Fee

  • No Co-signer Needed

  • No Cash Advance Fee

  • No Balance Transfer Fee

  • No Hidden Fees or Charges 

 
GET STARTED »

Why Members Choose F3 Credit Union Credit Cards

Rates

Competitive Rates 

Keep more of your money with lower rates compared to many traditional credit cards.

Build Credit

Begin your credit building journey while enjoying the convenience of everyday purchasing power.
Secure

Secure Digital Banking

Manage your card anytime through online and mobile banking with built-in security features. 

Local Community Support

Talk to real people who know Santa Clara County. Not a commercial bank with an automated call center.

Who Can Join?

You can join the F3 Credit Union if you fit into any of these categories:

Santa Clara County Community: Live, work, worship, or study here? You're in!

Postal Service Heroes: If you're an employee, contract employee, or retiree of the U.S. Postal Service in the counties of Santa Clara, San Mateo, Santa Cruz, Monterey, San Benito, San Francisco, Solano, Contra Costa, Alameda, Napa, Sonoma, Marin, or San Joaquin, welcome aboard!

Civil Service Champions: All civil service employees in Santa Clara, San Mateo, Santa Cruz, Monterey, San Benito, & San Francisco counties.

Credit Union Crew: Employees, contract employees, and legal counsel of our credit union. 

Friends & Family: Spouses, surviving spouses, all relatives, and household members of any of the above.

Associated Organizations: Organizations affiliated with any of the above, other credit unions, and organizations of credit unions.

If you find yourself in ANY of these groups, come on in - F3 Credit Union is waiting for you!

Not an F3 Credit Union Member?

Join Today and Start Enjoying the Benefits of Membership

Becoming a member is easy. Enjoy competitive financial products, personalized local service, digital banking tools, and a credit union experience designed to put members first.

(800) 696-6009  |  1040 Leigh Avenue, San Jose, CA 95126-4129

Federally insured by NCUA
Equal Housing Lender

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