Credit union · NCUA insured
Orlando Credit Union Credit Card Rates
Orlando Credit Union credit cards start at 12.99% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Orlando Credit Union’s credit card rates compare
Compared with banks and credit unions near Orlando, FL, where Orlando Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Orlando Credit Union
12.99%APR
- Up to
- 17.50% APR
Visa SMART Credit Card
Lowest rate
Priority Credit Union
8.99%APR
- Up to
- —
2nd-lowest rate
Unity of Eatonville FCU
9.75%APR
- Up to
- 18.00% APR
Orlando Credit Union credit card score
67
Credit card score
Higher than 18% of U.S. banks and credit unions
- Purchase APRPurchase APR12.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Orlando 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.
Secured Visa SMART Credit Card
Credit limit is tied to and secured by deposit in savings account ($300 - $1,000 credit limit). Subject to credit union membership eligibility, credit approval and verification of information. No annual, application, or balance transfer fees. 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.99%–17.50% | None | Variable APR on purchases determined by credit score and credit history. Credit limits from $300 to $1,000 secured by savings. No annual fee, application fee, or balance transfer fee. |
Visa SMART Credit Card
Subject to credit union membership eligibility, credit approval and verification of information. Rates are variable and based on credit score and credit history. No annual, application, or balance transfer fees. 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99%–6.99% | None | Introductory rate for first 6 months on purchases based on creditworthiness. No annual fee, application fee, or balance transfer fee. |
| Ongoing | 12.99%–17.50% | None | Standard variable rate after 6 months on purchases based on creditworthiness. No annual fee, application fee, or balance transfer fee. |
Visa Xtreme REWARDS Credit Card
Subject to credit union membership eligibility, credit approval and verification of information. Rates are variable and based on creditworthiness. No annual, application, balance transfer, or foreign transaction fees. 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99%–6.99% | None | Introductory rate for first 6 months on purchases based on creditworthiness. No annual fee, no balance transfer fee, and no foreign transaction fee. |
| Ongoing | 15.49%–17.50% | None | Standard variable rate after 6 months on purchases based on creditworthiness. No annual fee, no balance transfer fee, and no foreign transaction fee. |
Who can join Orlando Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone living in the United States can become a member by joining the Orlando Credit Union Charitable Foundation.
Where you live or work
- Membership is open to individuals who live, work, or worship in Brevard, Hillsborough, Lake, Orange, Osceola, Polk, Seminole, or Volusia County.
Family and household
- Membership is open to family members (spouse, children, siblings, parents, step-parents, grandchildren, and grandparents) of current Orlando Credit Union members.
Cost to join
- A $5 share deposit into an Ownership Share account is required to establish membership, and that money remains the member's.
Membership information collected October 5, 2026.