Credit Cards · Tampa, Florida
9 credit unions in Tampa report credit card APRs to the NCUA. Rates range from 8.99% to 17.00%.
Updated Q1 2026 · NCUA Call Report data
9
CUs Reporting Rates
8.99%
Lowest Card APR
12.51%
City Average APR
9 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | TAMPA POSTAL ★ 3.5 · 24 reviews | 8.99% | 11.50% |
| 2 | FLORIDACENTRAL ★ 4.2 · 133 reviews | 9.24% | 9.99% |
| 3 | POWERNET ★ 4.6 · 27 reviews | 10.08% | 12.47% |
| 4 | GTE ★ 4.3 · 643 reviews | 10.49% | 12.74% |
| 5 | USF FEDERAL CREDIT UNION ★ 4.8 · 351 reviews | 12.00% | 10.00% |
| 6 | GROW FINANCIAL ★ 2.0 · 53 reviews | 12.49% | 14.00% |
| 7 | TRAX ★ 4.2 · 309 reviews | 16.05% | 11.05% |
| 8 | TAMPA BAY ★ 4.0 · 409 reviews | 16.25% | 9.00% |
| 9 | SUNCOAST ★ 1.9 · 38 reviews | 17.00% | 11.75% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Tampa could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Tampa 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.