Credit union · NCUA insured
Emerald Coast FCU Credit Card Rates
Emerald Coast FCU credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Emerald Coast FCU’s credit card rates compare
Compared with banks and credit unions in Florida, where Emerald Coast FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Emerald Coast FCU
9.90%APR
- Up to
- —
VISA® Credit Card
Lowest rate
Oxford Federal Credit Union
6.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
Innovations Financial Credit Union
7.50%APR
- Up to
- 16.75% APR
Emerald Coast FCU credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Emerald Coast 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.
VISA® Credit Card
Offered to qualified members.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Rate is as low as, fixed, and determined by creditworthiness and loan term. |
Who can join Emerald Coast FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in, or businesses and other legal entities in Gulf County, Franklin County, or the City of Mexico Beach are eligible for membership.
Membership information collected October 5, 2026.