Credit Cards · Gainesville, Florida

Best Credit Union Credit Card Rates in Gainesville, Florida

3 credit unions in Gainesville report credit card APRs to the NCUA. Rates range from 9.49% to 14.83%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.49%

Lowest Card APR

12.82%

City Average APR

Credit Card APRs — Gainesville, Florida

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	RADIANT ★ 4.6 · 527 reviews	9.49%	7.99%
2	CAMPUS USA ★ 4.1 · 119 reviews	14.15%	11.29%
3	FLORIDA ★ 4.0 · 155 reviews	14.83%	14.05%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Lower APR Beats Rewards If You Carry a Balance

On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Gainesville could save you significantly more than any rewards program.

Join First, Then Apply

You must be a member to get a credit union credit card. Most Gainesville credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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