Credit union · NCUA insured
Okaloosa County Teachers FCU Credit Card Rates
Okaloosa County Teachers FCU credit cards start at 14.64% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Okaloosa County Teachers FCU’s credit card rates compare
Compared with banks and credit unions near Crestview, FL, where Okaloosa County Teachers FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Okaloosa County Teachers FCU
14.64%APR
- Up to
- —
My Opportunity Mastercard
Lowest rate
Community South Credit Union
7.90%APR
- Up to
- —
2nd-lowest rate
Eglin Federal Credit Union
8.90%APR
- Up to
- 15.90% APR
Okaloosa County Teachers FCU credit card score
63
Credit card score
Higher than 8% of U.S. banks and credit unions
- Purchase APRPurchase APR14.64%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Okaloosa County Teachers FCU 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.
My Opportunity Mastercard
Must be with your place of employment for at least 6 months to apply. $500 limit. Minimum payment is $25 or 2% of the balance. One rate for both purchases and cash advances. 25 day interest-free grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.64% | None | Rate based on creditworthiness and term of loan. |
Sources (1)
- okaloosafcu.org/credit-cards · captured Oct 7, 2026
Platinum Mastercard
Rate is variable and adjusted to the prime rate. Credit limit minimum $5,000, maximum $15,000. Minimum payment is $25 or 2% of the balance. One rate for both purchases and cash advances. 25 day interest-free grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | Rate is variable and adjusted to the prime rate. Rate based on creditworthiness and term of loan. |
Sources (1)
- okaloosafcu.org/credit-cards · captured Oct 7, 2026
Secured Mastercard
Must be secured by 125% of the limit from your Savings Account. Credit limit minimum $500, maximum $2,000. Minimum payment is $25 or 2% of the balance. One rate for both purchases and cash advances. 25 day interest-free grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.64% | None | Rate based on creditworthiness and term of loan. |
Sources (1)
- okaloosafcu.org/credit-cards · captured Oct 7, 2026
Standard Mastercard
Credit limit minimum $500, maximum $8,000. Minimum payment is $25 or 2% of the balance. One rate for both purchases and cash advances. 25 day interest-free grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.64% | None | Rate based on creditworthiness and term of loan. |
Sources (1)
- okaloosafcu.org/credit-cards · captured Oct 7, 2026
Who can join Okaloosa County Teachers FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in, and businesses and other legal entities located in Okaloosa County, Florida, are eligible for membership.
- Persons who live, work, worship, or attend school in, and businesses and other legal entities located in the prescribed underserved community bounded by Hollywood Blvd, Jonquil Ave, Sullivan St, and Wright Pkwy in Ft. Walton Beach, FL, are eligible for membership.
- Persons who live, work, worship, or attend school in, and businesses and other legal entities located in the prescribed underserved community in Ft. Walton Beach, Florida defined from Hollywood Blvd and Elm Ave SE to Santa Rosa Sound shoreline, St. Mary Ave, Coral Dr, and Robinwood Dr, are eligible for membership.
Employers and groups
- Employees of the credit union, volunteers in the community, and organizations of such persons are eligible for membership.
Family and household
- Members of the immediate family or household of eligible persons, spouses of persons who died while within the field of membership, and organizations of such persons are eligible for membership.
Other ways
- Members of record of Okaloosa County Teachers Federal Credit Union as of September 8, 2005, are eligible for membership.
Membership information collected October 5, 2026.