Credit Cards · Miami, Florida
6 credit unions in Miami report credit card APRs to the NCUA. Rates range from 8.99% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
8.99%
Lowest Card APR
14.44%
City Average APR
6 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | MIAMI ★ 3.7 · 16 reviews | 8.99% | 12.00% |
| 2 | MIAMI FIREFIGHTERS ★ 3.6 · 15 reviews | 10.90% | 8.89% |
| 3 | MIAMI POSTAL SERVICE ★ 4.0 · 291 reviews | 15.50% | 9.49% |
| 4 | UNIVERSITY ★ 4.1 · 39 reviews | 15.99% | 15.99% |
| 5 | EDUCATIONAL ★ 4.5 · 83 reviews | 17.25% | 15.15% |
| 6 | BAPTIST HEALTH SOUTH FLORIDA ★ 3.6 · 17 reviews | 18.00% | 14.20% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Miami could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Miami 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.