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Pacific Oaks Federal Credit Union

Credit Union Summary
Assets$265,495,172
Address761 DAILY DRIVE SUITE 200, CAMARILLO, CA, 93010
Corporate Website
Members22,955
Branches6
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Field of Membership

Membership is open to anyone who lives, works, studies, or worships in Ventura County, California Eligibility details...

's Consumer Friendliness Accolades

Credit Unions receive stars for meeting our consumer friendliness requirements.

Pacific Oaks Federal Credit Union is 4 stars better than your typical bank:


ATMs

No Penalty APR

No Int'l Fee

No Advance Fee

  • ATM Convenience - This credit union is part of the CO-OP ATM Network, which gives you access to 28,000+ surcharge free ATMs around the country.
  • No Penalty APR - This credit union does not charge a higher penalty APR for being 60 days delinquent on credit card payments.
  • No Foreign Transaction Fee - Most credit unions charge around 1%, whereas most banks charge around 3%. Very few credit unions earn a star here, which requires the credit union to eat the ~1% fee charged by Visa/MasterCard.
  • No Cash Advance Fee - Your typical bank charges around 3%, while many credit unions charge much less. We give out stars for 0% cash advance fees on credit cards.

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Results 1 - 4 of 4 Results per-page: 10 | 25 Page 1 of 1

Ranks #1 out of 4 cards, sorted by estimated annual Net Annual Rewards. Adjust rankings by using the menu to the left.
Net Annual Rewards
$54
of Visa Extras Points
Reward Rate
0.25%
Annual Fee
$0
Signing Promo
None
Pacific+Oaks+Federal+Credit+Union Platinum+with+Rewards Credit Card

(4/5 - 5 Votes)
Rewards Calculation: Visa Extras Points
Signing Promotion
$0
Estimated Annual Rewards
$21,600 * 0.25%
$54
Annual Fee, 2 yr avg
$0

Annual Rewards (Rewards less Fees)
$54
Card Details
  • Earn 1 point per $1 spent on purchases
  • The points aren't worth very much - a $50 gift card costs over 20,000 points, which means you're earnings less than 1/4% rewards, about 1/4 of what a generic rewards card offers
APR, variable*
APR:
11.99%
Cash Adv:
11.99%

Intro APR Promotions
Purchase:
None
Transfer:
None
Ranks #2 out of 4 cards, sorted by estimated annual Net Annual Rewards. Adjust rankings by using the menu to the left.
Net Annual Rewards
$0
Reward Rate
0.00%
Annual Fee
$0
Signing Promo
None
Pacific+Oaks+Federal+Credit+Union Gold Credit Card

(3.5/5 - 11 Votes)
Rewards Calculation:
Signing Promotion
$0
Estimated Annual Rewards
$21,600 * 0.00%
$0
Annual Fee, 2 yr avg
$0

Annual Rewards (Rewards less Fees)
$0
Card Details
  • No rewards offered
APR, variable*
APR:
13.99%
Cash Adv:
13.99%

Intro APR Promotions
Purchase:
None
Transfer:
None
Ranks #3 out of 4 cards, sorted by estimated annual Net Annual Rewards. Adjust rankings by using the menu to the left.
Net Annual Rewards
$0
Reward Rate
0.00%
Annual Fee
$0
Signing Promo
None
Pacific+Oaks+Federal+Credit+Union Classic Credit Card

(0/5 - 0 Votes)
Rewards Calculation:
Signing Promotion
$0
Estimated Annual Rewards
$21,600 * 0.00%
$0
Annual Fee, 2 yr avg
$0

Annual Rewards (Rewards less Fees)
$0
Card Details
  • No rewards offered
APR, fixed
APR:
17.99%
Cash Adv:
17.99%

Intro APR Promotions
Purchase:
None
Transfer:
None
Ranks #4 out of 4 cards, sorted by estimated annual Net Annual Rewards. Adjust rankings by using the menu to the left.
Net Annual Rewards
$0
Reward Rate
0.00%
Annual Fee
$0
Signing Promo
None
Pacific+Oaks+Federal+Credit+Union First Credit Card

(4.5/5 - 12 Votes)
Rewards Calculation:
Signing Promotion
$0
Estimated Annual Rewards
$21,600 * 0.00%
$0
Annual Fee, 2 yr avg
$0

Annual Rewards (Rewards less Fees)
$0
Card Details
  • No rewards offered
APR, fixed
APR:
17.99%
Cash Adv:
17.99%

Intro APR Promotions
Purchase:
None
Transfer:
None

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