Be ready and equipped with your Cal Poly Federal Credit Union’s VISA credit card in hand when you hit the retail stores for your holiday shopping. In the midst of the hustle and bustle of the holiday season, you’ll have peace of mind knowing your Cal Poly FCU VISA credit card has a LOW rate of 9.99% apr. If you compare our rate to most department store credit cards, you’ll save BIG on interest charges. Department store cards rates are typically 20% apr or higher. Give yourself the gift of saving money by taking us shopping with you!