Credit Cards · Florence, South Carolina

Best Credit Union Credit Card Rates in Florence, South Carolina

3 credit unions in Florence report credit card APRs to the NCUA. Rates range from 7.75% to 12.50%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

7.75%

Lowest Card APR

9.41%

City Average APR

Credit Card APRs — Florence, South Carolina

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	S C I ★ 5.0 · 7 reviews	7.75%	9.00%
2	PEE DEE ★ 4.6 · 33 reviews	7.99%	18.00%
3	NUCOR EMPLOYEE'S ★ 3.8 · 12 reviews	12.50%	18.00%

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

Also Compare in Florence

Best Car Loan Rates →Best Personal Loan Rates →All of South Carolina →

Browse All Credit Unions in Florence

See member reviews, branch locations, and full rate details.

Credit Unions in Florence →All of South Carolina →