Credit union · NCUA insured
Florida West Coast CU Credit Card Rates
Top CarrotFlorida West Coast CU credit cards start at 8.99% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Florida West Coast CU’s credit card rates compare
Compared with banks and credit unions near Tampa, FL, where Florida West Coast CU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Florida West Coast CU
8.99%APR
- Up to
- —
Visa Platinum Credit Card
Lowest rate
Oxford Federal Credit Union
6.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
Family First Credit Union
8.90%APR
- Up to
- —
Florida West Coast CU credit card score
88
Credit card score
Higher than 82% of U.S. banks and credit unions
- Purchase APRPurchase APR8.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Florida West Coast CU 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.
Shared Secured Visa Credit Card
Designed for members with little or no credit, or trying to re-establish credit; requires depositing sufficient funds in account. Credit limits up to $20,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.96% | None | Interest rate is the same low interest rate as Visa Classic. Requires deposit of sufficient funds in account. |
| Ongoing | 12.96% | None | Rate based on credit history, collateral, loan term, loan to value and direct deposit relationship. Credit limits $500.00 to $20,000.00. |
Student Visa Credit Card
For college-bound students. $500 credit limit on product description page; rate schedule lists credit limits $500.00 to $20,000.00.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.96% | None | Same interest rate as Visa Classic. Modest $500 credit limit. |
| Ongoing | 12.96% | None | Rate based on credit history, collateral, loan term, loan to value and direct deposit relationship. Credit limits $500.00 to $20,000.00. |
Visa Classic Credit Card
Fixed annual percentage rate. Credit limits from $500 to $20,000 are available.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.96% | None | Fixed annual percentage rate. |
| Ongoing | 12.96% | None | Rate based on credit history, collateral, loan term, loan to value and direct deposit relationship. Credit limits $500.00 to $20,000.00. |
Visa Platinum Credit Card
Must have full direct deposit. Credit score of 680 or above required to qualify on rate schedule. Credit limits from $5,000 to $20,000 are available.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.99% | None | Low, fixed annual percentage rate. Must have full direct deposit. |
| Ongoing | 8.99% | None | Direct Deposit required and must have a credit score of 680 or above to qualify. Credit limits $5,000.00 to $20,000.00. |
Who can join Florida West Coast CU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Hillsborough and Pasco County Government employees are eligible for membership.
- Sheriff's Office employees and State of Florida employees are eligible for membership.
Family and household
- Family members of eligible employees/members are eligible to join.
Cost to join
- A initial deposit of $10.00 is required to join.
Membership information collected October 5, 2026.