Credit Cards · Tallahassee, Florida

Best Credit Union Credit Card Rates in Tallahassee, Florida

3 credit unions in Tallahassee report credit card APRs to the NCUA. Rates range from 9.90% to 13.24%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.90%

Lowest Card APR

12.03%

City Average APR

Credit Card APRs — Tallahassee, Florida

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	T M H	9.90%	9.08%
2	CHAMPIONS FIRST ★ 4.5 · 154 reviews	12.95%	10.45%
3	FIRST COMMERCE ★ 3.1 · 86 reviews	13.24%	15.90%

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 Tallahassee 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 Tallahassee credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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