Credit union · NCUA insured
Florida Credit Union Credit Card Rates
Top CarrotFlorida Credit Union credit cards start at 13.90% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Florida Credit Union’s credit card rates compare
Compared with banks and credit unions near Ocala, FL, where Florida Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Florida Credit Union
13.90%APR
- Up to
- 17.90% APR
Platinum Rate
Lowest rate
Radiant Credit Union
9.49%APR
- Up to
- —
2nd-lowest rate
VyStar Credit Union
13.20%APR
- Up to
- —
Florida Credit Union credit card score
64
Credit card score
Higher than 11% of U.S. banks and credit unions
- Purchase APRPurchase APR13.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Florida 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.
Fresh Start
Free membership open to anyone within Florida Credit Union's 48 county field of membership, subject to approval and maintaining a minimum $5 balance in savings. For low to moderate credit scores. Credit limit range $2,000 to $5,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 23.99% | $100 | The APR for purchases, balance transfers, and cash advances is 23.99%. Balance transfer fee is 3% or $5, whichever is greater; cash advance fee is 3% or $5, whichever is greater. |
Sources (2)
All captured Oct 5, 2026
Platinum Rate
Free membership open to anyone within Florida Credit Union's 48-county field of membership, subject to approval and maintaining a minimum $5 balance in savings. Credit limit range $3,000 to $50,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90%–17.90% | None | APR for purchases is 13.90%–17.90%, based on creditworthiness. Non-variable rate. |
| Ongoing | 17.90% | None | Cash advance APR is 17.90%. Cash advance fee is 3% of each advance or $5, whichever is greater. |
Sources (2)
All captured Oct 5, 2026
Platinum Wave Rewards
Free membership open to anyone within Florida Credit Union's 48-county field of membership, subject to approval and maintaining a minimum $5 balance in savings. Credit limit range $2,000 to $50,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 9 months | 0.00% | None | Introductory 0.00% APR on purchases for 9 monthly billing cycles (nine months) from account opening/issuance for new cards only; does not include cash advances or balance transfers. |
| Ongoing | 15.90%–17.90% | None | Standard purchase APR based on creditworthiness after the 9-month introductory period. |
| Ongoing | 17.90% | None | Cash advance APR is 17.90%. Cash advance fee is 3% of each advance or $5, whichever is greater. |
Sources (2)
All captured Oct 5, 2026
Select™ Visa Signature®
Free membership open to anyone within Florida Credit Union's 48-county field of membership, subject to approval and maintaining a minimum $5 balance in savings. Credit limit range $5,000 to $50,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.65%–17.90% | None | Variable APR for purchases based on creditworthiness; varies with the market based on the Prime Rate. |
| Ongoing | 17.90% | None | Cash advance APR is 17.90%. Cash advance fee is 3% or $5, whichever is greater. |
Sources (3)
- flcu.org/fcu4u-credit
- flcu.org/cards/credit-cards/select-signature-card
- flcu.org/cards/credit-cards/balance-transfer
All captured Oct 5, 2026
Who can join Florida Credit Union
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 within Florida Credit Union's 48-county field of membership.
Cost to join
- Members are subject to maintaining a minimum $5 balance in savings upon approval.
Membership information collected October 5, 2026.