Credit union · NCUA insured
Floridacentral Credit Union Credit Card Rates
Floridacentral Credit Union credit cards start at 9.49% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Floridacentral Credit Union’s credit card rates compare
Compared with banks and credit unions near Tampa, FL, where Floridacentral Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Floridacentral Credit Union
9.49%APR
- Up to
- —
Floridacentral Classic 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
- —
Floridacentral Credit Union credit card score
87
Credit card score
Higher than 80% of U.S. banks and credit unions
- Purchase APRPurchase APR9.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Floridacentral 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.
Floridacentral Classic Credit Card
No annual fee. Foreign transaction fee applies. Low-interest credit card designed for keeping borrowing costs down.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.49% | None | Tier A+ (740+). Interest rates adjust quarterly by adding the appropriate margin to the Wall Street Journal Index. |
| Ongoing | 10.49% | None | Tier A (700-739). Interest rates adjust quarterly by adding the appropriate margin to the Wall Street Journal Index. |
| Ongoing | 11.49% | None | Tier B (600-699). Interest rates adjust quarterly by adding the appropriate margin to the Wall Street Journal Index. |
| Ongoing | 12.49% | None | Tier C (620-659) or No Score. Interest rates adjust quarterly by adding the appropriate margin to the Wall Street Journal Index. |
| Ongoing | 13.49% | None | Tier D (580-619). Interest rates adjust quarterly by adding the appropriate margin to the Wall Street Journal Index. |
| Ongoing | 14.49% | None | Tier E (579 & Below). Interest rates adjust quarterly by adding the appropriate margin to the Wall Street Journal Index. |
Sources (3)
- floridacentralcu.com/credit-cards
- floridacentralcu.com/wp-conten…reement_-_Disclosure.pdf
- floridacentralcu.com/financial-tools/rates
All captured Oct 15, 2026
Floridacentral World Credit Card
No annual fee or foreign transaction fee. Earns 1.5 points per dollar spent. Mastercard benefits included.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.25% | None | Tier A+ (740+). Interest rates adjust quarterly by adding the appropriate margin to the Wall Street Journal Index. |
| Ongoing | 15.25% | None | Tier A (700-739). Interest rates adjust quarterly by adding the appropriate margin to the Wall Street Journal Index. |
| Ongoing | 17.25% | None | Tier C (620-659) or No Score. Interest rates adjust quarterly by adding the appropriate margin to the Wall Street Journal Index. |
Sources (2)
All captured Oct 15, 2026
Who can join Floridacentral Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or attend school in Charlotte, DeSoto, Hillsborough, Lake, Manatee, Orange, Pasco, Pinellas, Polk, or Sarasota County, Florida.
Employers and groups
- Eligibility is open to individuals who work for a participating organization.
Family and household
- Eligibility is open to individuals who qualify through an immediate family member.
Cost to join
- A $5 initial share deposit opens a Member Share Account and establishes membership in Floridacentral Credit Union.
Membership information collected October 5, 2026.