Credit union · NCUA insured
Loyalty CU Credit Card Rates
Loyalty CU credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Loyalty CU’s credit card rates compare
Compared with banks and credit unions near Pensacola, FL, where Loyalty CU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Loyalty CU
10.90%APR
- Up to
- —
Visa Gold
Lowest rate
Alabama Credit Union
8.90%APR
- Up to
- 12.90% APR
2nd-lowest rate
Eglin Federal Credit Union
8.90%APR
- Up to
- 15.90% APR
Loyalty CU credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Loyalty 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.
Visa Classic
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.75% | None | Variable, Prime + 7.0% Quarterly. Same rate for purchases, cash advances, and balance transfers. 25-day grace period on purchases when entire new balance on previous cycle's billing statement is paid by payment due date. |
Visa Credit Builder
Credit limit up to $750.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.75% | None | Credit limit up to $750; Variable, Prime + 7.0% Quarterly. Same rate for purchases, cash advances, and balance transfers. |
Sources (3)
All captured Oct 5, 2026
Visa Gold
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Fixed rate. Same rate for purchases, cash advances, and balance transfers. 25-day grace period on purchases when entire new balance on previous cycle's billing statement is paid by payment due date. |
Visa Share Secured
Secured by shares/deposits to rebuild credit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.75% | None | Variable, Prime + 7.0% Quarterly. Same rate for purchases, cash advances, and balance transfers. |
Who can join Loyalty CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Citizens of Escambia, Santa Rosa, Okaloosa, Walton, Washington, Bay, Calhoun, Gulf, Liberty, Franklin, Gadsden, Leon, Wakulla, Jefferson, and Duval counties are eligible for membership.
Cost to join
- Opening an account requires a $5.00 deposit into a savings account.
Membership information collected October 5, 2026.