Credit Cards · Florida
92 credit unions in Florida report credit card APRs to the NCUA. Rates range from 7.90% to 25.49%.
Updated Q1 2026 · NCUA Call Report data
92
CUs Reporting Rates
7.90%
Lowest Card APR
12.58%
State Average APR
60
Cities Covered
92 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | COMMUNITY SOUTH Chipley | 7.90% | 10.00% |
| 2 | EGLIN Fort Walton Bea | 7.90% | 8.90% |
| 3 | BROWARD HEALTHCARE FORT LAUDERDALE | 8.49% | 18.00% |
| 4 | INNOVATIONS FINANCIAL PANAMA CITY | 8.50% | 15.75% |
| 5 | SANTA ROSA COUNTY MILTON | 8.77% | 10.56% |
| 6 | MEMORIAL EMPLOYEES FINANCIAL HOLLYWOOD | 8.88% | 12.68% |
| 7 | SUN Hollywood | 8.90% | 18.00% |
| 8 | MIAMI MIAMI | 8.99% | 12.00% |
| 9 | TAMPA POSTAL TAMPA | 8.99% | 11.50% |
| 10 | OCALA COMMUNITY Ocala | 9.00% | 12.49% |
| 11 | FLORIDACENTRAL Tampa | 9.24% | 9.99% |
| 12 | RADIANT Gainesville | 9.49% | 7.99% |
| 13 | CONNECT CREDIT UNION Fort lauderdale | 9.49% | 16.50% |
| 14 | FICARE Wesley Chapel | 9.50% | 11.46% |
| 15 | PINELLAS Largo | 9.50% | 10.24% |
| 16 | SAN ANTONIO CITIZENS San Antonio | 9.71% | 11.16% |
| 17 | PUBLIX EMPLOYEES LAKELAND | 9.90% | 9.50% |
| 18 | PANHANDLE Panama City | 9.90% | 11.50% |
| 19 | T M H TALLAHASSEE | 9.90% | 9.08% |
| 20 | PRIORITY Orlando | 9.90% | 12.00% |
| 21 | GULF WINDS PENSACOLA | 9.90% | 9.99% |
| 22 | EMERALD COAST PORT ST JOE | 9.90% | 9.90% |
| 23 | FIRST CHOICE WEST PALM BEACH | 10.00% | 10.00% |
| 24 | OKALOOSA COUNTY TEACHERS Crestview | 10.00% | 14.00% |
| 25 | FARMERS JACKSONVILLE | 10.00% | 10.19% |
| 26 | FLORIDA WEST COAST BRANDON | 10.06% | 10.80% |
| 27 | POWERNET Tampa | 10.08% | 12.47% |
| 28 | MY PENSACOLA Pensacola | 10.29% | 12.37% |
| 29 | WALTON COUNTY TEACHERS DEFUNIAK SPRING | 10.30% | 10.00% |
| 30 | GTE TAMPA | 10.49% | 12.74% |
| 31 | 1ST STREET SARASOTA | 10.76% | 11.51% |
| 32 | LOYALTY Pensacola | 10.90% | 10.49% |
| 33 | MIAMI FIREFIGHTERS MIAMI | 10.90% | 8.89% |
| 34 | CALHOUN LIBERTY Blountstown | 10.90% | 9.90% |
| 35 | MEMBERS FIRST CREDIT UNION OF FLORI Pensacola | 10.90% | 9.95% |
| 36 | BLUE COAST Perry | 10.90% | 13.91% |
| 37 | TYNDALL Panama City | 11.49% | 10.99% |
| 38 | EVERGLADES Clewiston | 11.75% | 10.00% |
| 39 | HIALEAH MUNICIPAL EMPLOYEES Hialeah | 11.79% | 14.87% |
| 40 | FINANCIAL EDUCATORS Daytona Beach | 11.90% | 12.39% |
| 41 | PRIORITYONE CREDIT UNION OF FLORIDA Sunrise | 11.99% | 18.00% |
| 42 | USF FEDERAL CREDIT UNION Tampa | 12.00% | 10.00% |
| 43 | COASTLINE Jacksonville | 12.15% | 12.96% |
| 44 | HELLO Panama City | 12.29% | 14.96% |
| 45 | ADVENTHEALTH Altamonte Sprin | 12.31% | 9.36% |
| 46 | PENAIR Pensacola | 12.40% | 17.90% |
| 47 | GROW FINANCIAL Tampa | 12.49% | 14.00% |
| 48 | BRIGHTSTAR Fort Lauderdale | 12.49% | 11.99% |
| 49 | ITHINK FINANCIAL Boca Raton | 12.65% | 11.40% |
| 50 | HARVESTERS Cantonment | 12.90% | 13.40% |
| 51 | SOUTH ATLANTIC Boca Raton | 12.90% | 10.95% |
| 52 | JACKSON COUNTY 1ST MARIANNA | 12.90% | 13.90% |
| 53 | ECU SEMINOLE | 12.95% | 13.15% |
| 54 | CHAMPIONS FIRST Tallahassee | 12.95% | 10.45% |
| 55 | MIDFLORIDA Lakeland | 12.99% | 13.75% |
| 56 | SUWANNEE RIVER LIVE OAK | 13.00% | 8.00% |
| 57 | VELOCITY COMMUNITY PALM BEACH GARD | 13.00% | 10.74% |
| 58 | MCCOY ORLANDO | 13.00% | 7.99% |
| 59 | FIRST COMMERCE Tallahassee | 13.24% | 15.90% |
| 60 | JETSTREAM Miami Lakes | 13.40% | 11.74% |
| 61 | RADIFI Jacksonville | 13.40% | 10.75% |
| 62 | ADDITION FINANCIAL Lake Mary | 13.50% | 12.79% |
| 63 | COMMUNITY CREDIT UNION OF FLORIDA Rockledge | 13.74% | 15.08% |
| 64 | TRU FI Macclenny | 13.84% | 12.00% |
| 65 | JAX FIRE Jacksonville | 13.92% | 9.40% |
| 66 | POWER FINANCIAL Pembroke Pines | 14.00% | 15.21% |
| 67 | KEYS Key West | 14.00% | 14.00% |
| 68 | COMMUNITY FIRST CREDIT UNION OF FLO JACKSONVILLE | 14.15% | 10.25% |
| 69 | CAMPUS USA Gainesville | 14.15% | 11.29% |
| 70 | FIRST FLORIDA Jacksonville | 14.50% | 14.24% |
| 71 | SPACE COAST Melbourne | 14.74% | 12.50% |
| 72 | FLORIDA Gainesville | 14.83% | 14.05% |
| 73 | JM ASSOCIATES Jacksonville | 14.88% | 9.99% |
| 74 | LAUNCH CREDIT UNION MERRITT ISLAND | 14.90% | — |
| 75 | METRO NORTH JACKSONVILLE | 15.00% | 8.22% |
| 76 | MIAMI POSTAL SERVICE Miami | 15.50% | 9.49% |
| 77 | ORLANDO Orlando | 15.74% | 10.49% |
| 78 | SOUTHERNMOST Key West | 15.90% | 11.36% |
| 79 | UNIVERSITY MIAMI | 15.99% | 15.99% |
| 80 | VYSTAR Jacksonville | 16.00% | 15.70% |
| 81 | TRAX Tampa | 16.05% | 11.05% |
| 82 | WE FLORIDA FINANCIAL Fort Lauderdale | 16.15% | 11.25% |
| 83 | TAMPA BAY Tampa | 16.25% | 9.00% |
| 84 | CITY-COUNTY EMPLOYEES CLEARWATER | 16.41% | 13.08% |
| 85 | SUNCOAST TAMPA | 17.00% | 11.75% |
| 86 | EDUCATIONAL MIAMI | 17.25% | 15.15% |
| 87 | DADE COUNTY Sweetwater | 17.90% | 14.24% |
| 88 | TROPICAL FINANCIAL MIRAMAR | 17.99% | 15.98% |
| 89 | BAPTIST HEALTH SOUTH FLORIDA Miami | 18.00% | 14.20% |
| 90 | FAIRWINDS ORLANDO | 18.00% | 10.00% |
| 91 | GUARDIANS WEST PALM BEACH | 18.00% | 17.45% |
| 92 | ACHIEVA CREDIT UNION Dunedin | 25.49% | 23.99% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in Florida accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in Florida offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.