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Payroll Deduction
Payroll Deduction
Auto-deposit part of your paycheck

See how to set up payroll deduction.

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Auto Loans
Auto Loans (New & Used)
As low as 5.49%* APR

See if you're pre-qualified without a credit check.

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Personal Loan
Personal Loan Features
Borrow up to $30,000, no collateral required

See if you're pre-qualified without a credit check.

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Home Equity
HELOC Introductory Variable Rate Offer
As low as 5.99% APR* for 12 months

See how your home equity can work for you.

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Mortgages
FirstMortgage
Rates as low as 5.125% APR*

Explore our home loan options to fit your needs.

*APR = Annual Percentage Rate. First City Credit Union is an Equal Housing Lender

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Visa Credit Card
Credit Card Introductory Rate Offer
2.99%APR* for 6 months

See if you’re prequalified without a credit check.

Check now

Credit Cards

Low Rates

$0 Balance Transfer Fees

$0 Cash Advance Fees

Credit cards without the gimmicks

Member Top Pick
Best for simplicity

First City Visa

Enjoy a straightforward credit card with a great rate.

  • $0 Cash Advances
  • $0 Balance Transfers
  • 2.99% APR* for first 6 billing cycles
  • Up to $30,000 limit
Best for credit

First City Secured Visa

Take advantage of all the benefits of a credit card, plus added security. 

  • Establish or re-establish credit
  • Up to $15,000 credit limit
  • $0 Annual Fee
  • 2.99% APR* for first 6 billing cycles

See how we stack up

Select the accounts you want to compare:
Member Top Pick

First City Visa

Other Credit Cards

$0
3% - 5%*
$0
3% - 5%*

2.99% intro rate for the first 6 billing cycles

Standard APR (non-Intro rate) ~20% 

*According to Bankrate.com.

Take control of your Credit Card
First City Card Control
Smart Money Moves

First City is proud to partner with GreenPath to help you make smarter financial decisions. Whether you’re looking to improve your budgeting skills, manage debt, or build your credit, GreenPath offers expert guidance and personalized support every step of the way. Together, we’re committed to empowering you with the tools and knowledge to achieve your financial goals with confidence.

Swipe with Confidence

Enjoy our Visa Credit Card with an introductory rate of just 2.99% APR for the first 6 billing cycles. Plus, take advantage of no balance transfer fees and no cash advance fees - making it easier and more affordable to manage your finances.

*APR = Annual Percentage Rate. 

First City Credit Union - a Newsweek recognized America's Best Credit Unions for three years running and nation leading 5-star financial institution, has been supporting Los Angeles County Employees, Departments, and Agencies as Angelenos serving Angelenos since 1937 with convenient locations throughout LA County.

Newsweek America's Best Credit Union

*Annual Percentage Rate is variable based on prime rate.

Rates & Disclosures

IMPORTANT CREDIT CARD DISCLOSURES. The following disclosure represents important details concerning your credit card. The information about costs of the card is accurate as of the effective date of __________. You can call us at (800) 944-2200 or write us at P.O. Box 93727, Pasadena, CA 91109-3727 to inquire if any changes have occurred since the effective date.

Annual Percentage Rate (APR) for PurchasesVISA: XX% - XX% based on your creditworthiness.
These APRs will vary with the market based on the Prime Rate.

VISA Secured: XX% - XX% based on your creditworthiness.
These APRs will vary with the market based on the Prime Rate.
APR for Balance TransfersVISA: XX% - XX% based on your creditworthiness.
These APRs will vary with the market based on the Prime Rate.

VISA Secured: XX% - XX% based on your creditworthiness.
These APRs will vary with the market based on the Prime Rate.
APR for Cash AdvancesVISA: XX% - XX% based on your creditworthiness.
These APRs will vary with the market based on the Prime Rate.

VISA Secured: XX% - XX% based on your creditworthiness.
These APRs will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on PurchasesWe will not charge you interest on purchases if you pay your entire balance owed each month within 25 days of your statement closing date.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit:  www.consumerfinance.gov/learnmore 
Transaction Fees
  • Foreign Transaction

1.00% of each foreign currency transaction in U.S. Dollars
1.00% of each U.S. Dollar transaction that occurs in a foreign country
Penalty Fees
  • Returned Payment
  • Late Payment

Up to $XX.00
Up to $10.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

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