Credit union · NCUA insured
Baptist Health South Florida FCU Credit Card Rates
Top CarrotBaptist Health South Florida FCU credit cards start at 18.00% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Baptist Health South Florida FCU’s credit card rates compare
Compared with banks and credit unions near Miami, FL, where Baptist Health South Florida FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Baptist Health South Florida FCU
18.00%APR
Empower
Lowest rate
Hialeah Municipal Employees Federal Credit Union
7.99%APR
2nd-lowest rate
First Choice Credit Union
8.75%APR
Baptist Health South Florida FCU credit card score
60
Credit card score
Higher than 1% of U.S. banks and credit unions
- Purchase APRPurchase APR18.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Baptist Health South Florida FCU 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.
Empower
Secured Credit Card: Our Secured Credit Card requires you to place a refundable security deposit in your savings account, the amount of which becomes your credit limit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Balance Transfer Fee: 2%, Minimum $5. Monthly Minimum Payments: $25 or 2% of balance, whichever is greater. |
Sources (2)
All captured Oct 15, 2026
Enrichment
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 5.99% | None | Introductory APR of 5.99% for first 365 days (12 months) for purchases and balance transfer. Balance Transfer Fee: None. Monthly Minimum Payments: $25 or 2% of balance, whichever is greater. |
| Ongoing | 12.49% | None | After the first 365 days introductory period, APR will be as low as 12.49%. Balance Transfer Fee: None. Monthly Minimum Payments: $25 or 2% of balance, whichever is greater. |
Sources (2)
All captured Oct 15, 2026
Explorer Rewards
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR of 0% for first 365 days (12 months) for balance transfer only. Balance Transfer Fee: 5% during introductory 12 months, and None thereafter. Monthly Minimum Payments: $25 or 2% of balance, whichever is greater. |
| Ongoing | 14.49% | None | After the first 365 days introductory period, APR will be as low as 14.49%. Balance Transfer Fee: None after introductory 12 months. Monthly Minimum Payments: $25 or 2% of balance, whichever is greater. |
Sources (2)
All captured Oct 15, 2026
Who can join Baptist Health South Florida FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Baptist Health South Florida Federal Credit Union are eligible for membership.
- Employees and contracted workers of Baptist Health South Florida and its subsidiaries are eligible for membership.
- Retirees as pensioners or annuitants from Baptist Health South Florida and members of their immediate family or household are eligible for membership.
- Volunteers, trustees, and members of the Board of Directors of Baptist Health South Florida facilities are eligible for membership.
Military, government and schools
- Healthcare students training in Baptist Health South Florida facilities are eligible for membership.
Family and household
- Immediate family members of existing BHSFFCU members are eligible for membership.
Membership information collected October 5, 2026.