Credit union · NCUA insured
MIDFLORIDA Credit Union Credit Card Rates
MIDFLORIDA Credit Union credit cards start at 18.00% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How MIDFLORIDA Credit Union’s credit card rates compare
Compared with banks and credit unions near Lakeland, FL, where MIDFLORIDA Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
MIDFLORIDA Credit Union
18.00%APR
- Up to
- —
Preferred Mastercard
Lowest rate
Faith Connection FCU
8.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
Floridacentral Credit Union
9.49%APR
- Up to
- —
MIDFLORIDA Credit Union credit card score
60
Credit card score
Higher than 1% of U.S. banks and credit unions
- Purchase APRPurchase APR18.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MIDFLORIDA 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.
Platinum Mastercard
Membership, eligibility, and credit approval required. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 12.99%–18.00% | None | Introductory Rate for the first 12 monthly billing cycles depending on your credit rating and other factors. |
| Ongoing | 12.99%–18.00% | None | After that, your APR will be 12.99%-18.00%. Your rate may increase in the 13th month if Prime increased during the Introductory Period. Thereafter, it will vary with the market based on the Prime Rate. |
| Intro, 12 months | 3.99% | None | Introductory APR for 12 months from the date of account opening. Must be added to account within 90 days of account opening. For new cards only. |
Sources (2)
- midflorida.com/personal/loans-…redit-cards/credit-cards
- midflorida.com/personal/loans-…ds/credit-cards/platinum
All captured Oct 15, 2026
Preferred Mastercard
No annual fee. Earns 1.5% cash back on net qualified purchases up to $500 per billing cycle.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | — |
Sources (2)
- midflorida.com/personal/loans-…redit-cards/credit-cards
- midflorida.com/personal/loans-…s/credit-cards/preferred
All captured Oct 15, 2026
Who can join MIDFLORIDA Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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 in any of MIDFLORIDA's 59 counties is eligible to join.
Membership information collected October 5, 2026.