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Credit union · NCUA insured

Members First CU of Florida Credit Card Rates

Members First CU of Florida credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 15, 2026.

How Members First CU of Florida’s credit card rates compare

Compared with banks and credit unions near Pensacola, FL, where Members First CU of Florida has the most branches. Ongoing purchase APR, lowest first.

  • This credit union’s lowest

    Members First CU of Florida

    10.90%APR

    Annual fee
    $12
    Up to
    —

    Visa Rewards Card (With Annual Fee)

  • Lowest rate

    Alabama Credit Union

    8.90%APR

    Annual fee
    None
    Up to
    12.90% APR

    Alabama Credit Union rates

  • Top Carrot, Carrot Score 89

    2nd-lowest rate

    Eglin Federal Credit Union

    8.90%APR

    Annual fee
    None
    Up to
    15.90% APR

    Eglin Federal Credit Union rates

Compare credit card rates near you →

Members First CU of Florida credit card score

77

Credit card score

Higher than 43% of U.S. banks and credit unions

By rate
  • 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.

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Where Members First CU of Florida 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.

Who can join Members First CU of Florida

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

  • Individuals who reside or work in Escambia, Santa Rosa or Okaloosa counties are eligible for membership.

Employers and groups

  • Current, former, and retired employees or groups on retainer or holding a contract with Sterling Fibers (Pace Plant), Cytec Industries, American Cyanamid, or Cyanamid Employees Credit Union are eligible for membership.
  • Groups within Santa Rosa County with 20 or more employees whose function is construction, manufacturing or industrial are eligible for membership.

Military, government and schools

  • Members or associate members of the Escambia Retired Educators Association are eligible for membership.
  • Active or retired employees of any educational institution in Escambia, Santa Rosa or Okaloosa counties are eligible for membership.
  • Employees of the State of Florida who work in Escambia, Santa Rosa, Okaloosa, or Walton County, Florida are eligible for membership.
3 more ways to join

Military, government and schools

  • Students or former students of any educational institution in Escambia, Santa Rosa or Okaloosa counties are eligible for membership.

Family and household

  • Members of the immediate family of any eligible individual are eligible for membership.

Other ways

  • All members of Florida State Employees Federal Credit Union as of the effective date of the merger into Members First Credit Union of Florida are eligible for membership.

Cost to join

  • There is no membership fee to open an account; members must maintain a Regular Savings (Share) Account with a minimum balance of $5.00.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Members First CU of Florida overview