Credit union · NCUA insured
Community South Credit Union Credit Card Rates
Top CarrotCommunity South Credit Union credit cards start at 7.90% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Community South Credit Union’s credit card rates compare
Compared with banks and credit unions near Panama City, FL, where Community South Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Community South Credit Union
7.90%APR
- Up to
- —
Visa Platinum
Lowest rate
Innovations Financial Credit Union
7.50%APR
- Up to
- 16.75% APR
3rd-lowest rate
Panhandle Credit Union
9.90%APR
- Up to
- —
Community South Credit Union credit card score
93
Credit card score
Higher than 95% of U.S. banks and credit unions
- Purchase APRPurchase APR7.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Community South 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.
Visa Platinum
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.90% | None | Rates as of current date and subject to change at any time. No annual fees or balance transfer fees. |
Sources (1)
- communitysouth.net/products/credit-cards · captured Oct 5, 2026
Who can join Community South 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This may be incomplete or out of date, so check with the credit union before you apply.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 or works in Washington, Holmes, Jackson, Calhoun, Walton, Bay, Okaloosa, Liberty, or Gadsden County is eligible for membership.
Employers and groups
- Employees and retirees of Community South Credit Union are eligible for membership.
Military, government and schools
- Employees and retirees of The Florida Department of Transportation District #3 and The State of Florida within the DOT District 3 are eligible for membership.
Family and household
- Relatives of employees and retirees of qualifying employee groups are eligible for membership.
- Relatives of individuals who live or work in the designated nine Florida counties are eligible for membership, even if not residing in the same household.
Other ways
- Associational groups of the members are eligible for membership.
Cost to join
- A $5 refundable share deposit is required to join.
Membership information collected October 5, 2026.