Credit Cards · Jacksonville, Florida
9 credit unions in Jacksonville report credit card APRs to the NCUA. Rates range from 10.00% to 16.00%.
Updated Q1 2026 · NCUA Call Report data
9
CUs Reporting Rates
10.00%
Lowest Card APR
13.78%
City Average APR
9 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | FARMERS ★ 4.0 · 20 reviews | 10.00% | 10.19% |
| 2 | COASTLINE ★ 4.4 · 107 reviews | 12.15% | 12.96% |
| 3 | RADIFI ★ 4.7 · 1,035 reviews | 13.40% | 10.75% |
| 4 | JAX FIRE ★ 2.9 · 18 reviews | 13.92% | 9.40% |
| 5 | COMMUNITY FIRST CREDIT UNION OF FLO ★ 4.6 · 56 reviews | 14.15% | 10.25% |
| 6 | FIRST FLORIDA ★ 3.5 · 33 reviews | 14.50% | 14.24% |
| 7 | JM ASSOCIATES ★ 3.7 · 7 reviews | 14.88% | 9.99% |
| 8 | METRO NORTH ★ 4.3 · 11 reviews | 15.00% | 8.22% |
| 9 | VYSTAR ★ 4.7 · 842 reviews | 16.00% | 15.70% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Jacksonville could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Jacksonville credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.