Credit union · NCUA insured
Community First Credit Union of Florida Credit Card Rates
Community First Credit Union of Florida credit cards start at 12.40% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Community First Credit Union of Florida’s credit card rates compare
Compared with banks and credit unions near Jacksonville, FL, where Community First Credit Union of Florida has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Community First Credit Union of Florida
12.40%APR
Visa Platinum Credit Card
Lowest rate
Jax Fire Credit Union
8.64%APR
2nd-lowest rate
SUMA Federal Credit Union
9.00%APR
Community First Credit Union of Florida credit card score
71
Credit card score
Higher than 28% of U.S. banks and credit unions
- Purchase APRPurchase APR12.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Community First Credit Union of Florida 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.
Visa Platinum Credit Card
Minimum credit limit is $500. Membership requires $5 deposit in Share Savings Account for first-time account holders. Subject to credit approval. Introductory offers only available for new credit cards (not eligible if opened a card within last 15 months and received introductory offers).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.40% | None | Variable rate, subject to change at any time. Rates as low as. |
| Intro, 12 months | 0.00% | None | Introductory APR for 12 billing cycles on balance transfers made within the first 90 days of account opening. 3% transaction fee applies to each balance transfer. After 12 months, reverts to standard variable rate. Existing Credit Union card balance transfers excluded. |
| Intro, 12 months | 1.90% | None | Introductory APR for 12 billing cycles from account opening on purchases made within the first 90 days of account opening. After 12 months, reverts to standard variable rate. |
Sources (2)
- communityfirstfl.org/resources/rates/credit-card-rates
- communityfirstfl.org/personal-banking/credit-cards
All captured Oct 5, 2026
Visa Platinum Rewards Credit Card
Minimum credit limit is $500. Membership requires $5 deposit in Share Savings Account for first-time account holders. Subject to credit approval. Introductory offers only available for new credit cards (not eligible if opened a card within last 15 months and received introductory offers).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.40% | None | Variable rate, subject to change at any time. Rates as low as. |
| Intro, 12 months | 0.00% | None | Introductory APR for 12 billing cycles on balance transfers made within the first 90 days of account opening. 3% transaction fee applies to each balance transfer. After 12 months, reverts to standard variable rate. Existing Credit Union card balance transfers excluded. |
| Intro, 12 months | 1.90% | None | Introductory APR for 12 billing cycles from account opening on purchases made within the first 90 days of account opening. After 12 months, reverts to standard variable rate. |
Sources (2)
- communityfirstfl.org/resources/rates/credit-card-rates
- communityfirstfl.org/personal-banking/credit-cards
All captured Oct 5, 2026
Visa Platinum Rewards Secured Credit Card
Credit line secured by funds deposited in a savings account. Minimum credit limit is $500. Membership requires $5 deposit in Share Savings Account for first-time account holders. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.90% | None | Non-variable rate, subject to change at any time. Rates as low as. |
Sources (2)
- communityfirstfl.org/resources/rates/credit-card-rates
- communityfirstfl.org/personal-banking/credit-cards
All captured Oct 5, 2026
Visa Signature Credit Card
Requires a $5,000 minimum limit. Membership requires $5 deposit in Share Savings Account for first-time account holders. Subject to credit approval. Introductory offers only available for new credit cards (not eligible if opened a card within last 15 months and received introductory offers).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90% | None | Variable rate, subject to change at any time. Rates as low as. |
| Intro, 12 months | 0.00% | None | Introductory APR for 12 billing cycles on balance transfers made within the first 90 days of account opening. 3% transaction fee applies to each balance transfer. After 12 months, reverts to standard variable rate. Existing Credit Union card balance transfers excluded. |
| Intro, 12 months | 1.90% | None | Introductory APR for 12 billing cycles from account opening on purchases made within the first 90 days of account opening. After 12 months, reverts to standard variable rate. |
Sources (2)
- communityfirstfl.org/resources/rates/credit-card-rates
- communityfirstfl.org/personal-banking/credit-cards
All captured Oct 5, 2026
Who can join Community First Credit Union of Florida
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, or attends school in Baker, Brevard, Broward, Clay, Duval, Flagler, Highlands, Indian River, Lake, Manatee, Martin, Nassau, Orange, Palm Beach, Putnam, Seminole, St. Johns, St. Lucie, or Volusia County in Florida.
- Membership is open to anyone who lives or works in Brantley, Charlton, Clinch, Coffee, Glynn, Pierce, Ware, or Wayne County in Georgia.
Employers and groups
- Membership is open to employees of select employer groups, including Genesis Health, Miller Electric Company, and Web.com.
Family and household
- Membership is open to relatives of existing or eligible Community First Credit Union of Florida members.
Cost to join
- New members must open a Share Savings Account with a minimum $5 initial deposit held in the share account.
Membership information collected October 5, 2026.