Credit union · NCUA insured
First Choice Credit Union Credit Card Rates
Top CarrotFirst Choice Credit Union credit cards start at 8.75% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How First Choice Credit Union’s credit card rates compare
Compared with banks and credit unions near Miami, FL, where First Choice Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Choice Credit Union
8.75%APR
- Up to
- —
VISA Gold
Lowest rate
Hialeah Municipal Employees Federal Credit Union
7.99%APR
- Up to
- —
3rd-lowest rate
Firefighters First Credit Union
8.99%APR
- Up to
- 16.99% APR
First Choice Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Choice 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 Classic
Credit Card Disclosure for MasterCard Classic. 25 days grace period to repay purchase balance before finance charge. Average Daily Balance method (including new purchases).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.76% | None | Purchase APR: 14.76%. Cash Advance APR: 14.76%. Balance Transfer APR: 14.76%. 25-day grace period for purchases. Average Daily Balance method. |
Sources (1)
- firstchoicecu.org/credit-card-disclosures · captured Oct 7, 2026
MasterCard Gold
Credit Card Disclosure for MasterCard Gold. 25 days grace period to repay purchase balance before finance charge. Average Daily Balance method (including new purchases).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.75% | None | Purchase APR: 8.75%. Cash Advance APR: 8.75%. Balance Transfer APR: 8.75%. 25-day grace period for purchases. Average Daily Balance method. |
Sources (1)
- firstchoicecu.org/credit-card-disclosures · captured Oct 7, 2026
VISA Classic
Credit approval subject to membership eligibility, creditworthiness and other qualifications. Designed for members who may not qualify yet for VISA Gold but have good credit. No annual fee. 25-day interest-free grace period on purchases. Fixed APR.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.76% | None | Fixed rate APR for purchases, balance transfers, and cash advances. 25-day grace period on purchases. |
Sources (1)
- firstchoicecu.org/visa · captured Oct 7, 2026
VISA Classic Secured
Requires an up-front security deposit (pledge) equal to credit limit ($300 up to $4,000) held in share savings account. Designed for members with no credit history, limited credit, or looking to rebuild credit. No annual fee. Fixed APR.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.76% | None | Fixed rate APR for purchases, balance transfers, and cash advances. Requires security deposit pledged from $300 to $4,000 held in share savings account. 25-day grace period on purchases. |
Sources (1)
- firstchoicecu.org/visa · captured Oct 7, 2026
VISA Gold
Credit approval subject to membership eligibility, creditworthiness and other qualifications. Great for members who sometimes carry a monthly balance; requires good to excellent credit. No annual fee. 25-day interest-free grace period on purchases. Fixed APR.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.75% | None | Fixed rate APR for purchases, balance transfers, and cash advances. 25-day grace period on purchases. |
Sources (1)
- firstchoicecu.org/visa · captured Oct 7, 2026
Who can join First Choice Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.