Credit union · NCUA insured
1st Street Credit Union Credit Card Rates
Top Carrot1st Street Credit Union credit cards start at 9.74% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How 1st Street Credit Union’s credit card rates compare
Compared with banks and credit unions near North Port, FL, where 1st Street Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
1st Street Credit Union
9.74%APR
- Up to
- 17.99% APR
Mastercard Credit Cards
Lowest rate
Everence
8.90%APR
- Up to
- 16.90% APR
2nd-lowest rate
SUMA Federal Credit Union
9.00%APR
- Up to
- —
1st Street Credit Union credit card score
87
Credit card score
Higher than 78% of U.S. banks and credit unions
- Purchase APRPurchase APR9.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1st Street Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Mastercard Credit Cards
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.74%–17.99% | None | 25-day grace period for repayment of balances or purchases. Average Daily Balance (including new purchases). Minimum finance charge $.50. |
Sources (1)
- 1streetcu.com/mastercard-credit-cards · captured Oct 5, 2026
Who can join 1st Street Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, attends school, worships or volunteers in Charlotte County, Manatee County or Sarasota County is eligible to join.
Employers and groups
- Employees of this Credit Union are eligible to join.
- Employees of any Non-Profit Organization are eligible to join.
Military, government and schools
- Employees of the City of Sarasota are eligible to join.
- Employees of the County of Sarasota are eligible to join.
- Employees of any Governmental Agency (Federal, State and Local) are eligible to join.
2 more ways to join
Military, government and schools
- Persons receiving retirement benefits from the City of Sarasota General Employees Pension Fund, the Sarasota Fire Department Pension Fund or the Pension Fund of the Police Department of the City of Sarasota are eligible to join.
Family and household
- Anyone related to an existing member by blood, marriage or adoption is eligible to join.
Membership information collected October 5, 2026.