Credit union · NCUA insured
GTE Financial Credit Card Rates
GTE Financial credit cards start at 13.99% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How GTE Financial’s credit card rates compare
Compared with banks and credit unions near Tampa, FL, where GTE Financial has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
GTE Financial
13.99%APR
- Up to
- —
Go To 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
- —
GTE Financial credit card score
63
Credit card score
Higher than 9% of U.S. banks and credit unions
- Purchase APRPurchase APR13.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where GTE Financial 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.
Go Forward Credit Card
Fixed APR card with secured and unsecured options available to establish, build, or rebuild credit. Perfect for students with lower credit limits and money management features. No annual fee ($0).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.49% | None | Fixed APR as low as 16.49% based on creditworthiness. No annual fee ($0). |
Go Premier Credit Card
Earn 3x points on fuel/gas, travel, and dining/restaurants; 2x points on groceries and home improvement stores; 1x points on all other purchases. Credit limits up to $50,000. $0 annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 3.99% | None | Introductory 3.99% APR on purchases for 6 statement cycles on new Go Premier cards opened between October 1, 2026 and December 31, 2026. Followed by standard variable APR between 14.24% and 17.99% based on creditworthiness and Prime Rate. |
| Ongoing | 14.24%–17.99% | None | Standard variable purchase APR between 14.24% and 17.99% charged after the promotional 6 statement cycles; based on creditworthiness and varies with the Prime Rate. |
| Ongoing | 15.99% | None | As low as 15.99% APR based on creditworthiness. |
Sources (3)
All captured Oct 15, 2026
Go To Credit Card
Designed for the best possible rate plus rewards redeemable for cash back, travel, gift cards and more. Maximum credit limits up to $50,000. Earn 1x points per dollar spent. $0 annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 3.99% | None | Introductory 3.99% APR on purchases for 6 statement cycles on new Go To cards opened between October 1st, 2026 and December 31, 2026. Followed by standard variable APR between 14.24% and 17.99% based on creditworthiness and Prime Rate. |
| Ongoing | 14.24%–17.99% | None | Standard APR on purchases between 14.24% and 17.99% charged after promotional introductory period; based on creditworthiness and varies with the market based on the Prime Rate. |
| Ongoing | 13.99% | None | As low as 13.99% APR based on creditworthiness. |
Heritage Credit Card
Features travel benefits including trip cancellation and interruption coverage. Welcome offer: 10,000 bonus points after spending $3,000 in first 3 months. $55 annual fee waived in 2025, resuming in 2026 and beyond.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.49% | $55 | Fixed rate as low as 17.49% APR. The $55 annual fee is waived in 2025 and resumes in 2026 and beyond. |
Sources (2)
All captured Oct 15, 2026
Who can join GTE Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school within specified portions of certain Florida ZIP codes is eligible for membership.
Employers and groups
- Employees of GTE Financial and their immediate family members can join.
- Employees of companies that become GTE Financial Community Partners are eligible for membership.
Family and household
- Family members of a primary member are eligible for membership.
Other ways
- Individuals can qualify for credit union membership by joining the CU Savers educational financial club.
Cost to join
- A one-time membership fee of $10 is required to join CU Savers.
Membership information collected October 5, 2026.