Credit Cards

Affinity Visa

Do you support a civic organization that needs help raising funds and awareness of its cause? SFPCU offers members the opportunity to assist these organizations by issuing the SFPCU Affinity Visa credit card.

Each purchase using the SFPCU Affinity Visa card results in a donation to your favorite organization as a percentage of the transaction. We will help you design your card to represent your organization at no cost. This credit card features competitive rates and no fees for maintenance, cash advances or balance transfers. Now you can benefit your organization every time you use your SFPCU Affinity Visa card.

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Features & Benefits

  • Low minimum monthly payment
  • Free 24-hour information service by phone
  • Online account access and payment, including Visa E-statements
  • Earn rewards to redeem for travel, gift cards and merchandise
  • Price protection on purchases
  • Identity theft coverage
  • Travel accident insurance included
  • Lost luggage reimbursement
  • Warranty Manager Service including Warranty Registration and Extended Warranty Protection

Rates & Disclosures

Annual Percentage Rates for SF Police Credit Union VISA® Secured and Unsecured Credit Cards
Standard APR for Purchases, Balance Transfers and Cash Advances Platinum and Affinity Visa:  9.25% - 18.00% Variable APR based on your creditworthiness.

Variable APR may adjust quarterly with the market based on the Prime Rate as published in the Wall Street Journal, Western Edition (“Index”).

Share Secured Visa: 7.50% Fixed APR

Variable APR may adjust quarterly with the market based on the Prime Rate as published in the Wall Street Journal, Western Edition ("Index").

Disclosure Table for SF Police Credit Union VISA Secured and Unsecured Credit Cards
Penalty APR None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at


Set Up and Maintenance Fee None
Transaction Fees
Balance Transfer None
Cash Advance None
Foreign Transactions 1% of foreign transactions in US Dollars
Penalty Fees
Late Payment $15
Over-the-credit Limit None
Returned Payment $25
Other Fees
Required Insurance None

How We Will Calculate Your Balance: Average daily balance including new purchases.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Support the NLPOA

The National Latino Peace Officers Association Visa credit card allows you to support the NLPOA with every purchase you make on your card. There's no cost to you, and you'll enjoy multiple benefits:

  • Competitive rates
  • No annual fee
  • No balance transfer fees
  • Access to your credit line nationwide
  • View balance and make payments online

To apply for the NLPOA Visa credit card, you must be an SFPCU member.

Email us to add your group to this program and start supporting your favorite civic organization today.

Financial Services for First Responders
  • Federally insured by the National Credit Union Administration
  • Equal Housing Opportunity
  • NMLS ID# 409710

APR = "Annual Percentage Rate". Actual APR is based on your credit profile and may be higher than the lowest rate available. Posted rates may include promotional discounts and other terms and conditions. APY = "Annual Percentage Yield". Rates are subject to change without notice.

SFPCU proudly provides banking and loan solutions for police, firefighters, EMTs and other first responders and their families in CA and beyond. Member eligibility

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