Credit union · NCUA insured
PenAir Credit Union Credit Card Rates
Top CarrotPenAir Credit Union credit cards start at 10.49% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How PenAir Credit Union’s credit card rates compare
Compared with banks and credit unions near Pensacola, FL, where PenAir Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
PenAir Credit Union
10.49%APR
- Up to
- —
Low-Rate Mastercard
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
PenAir Credit Union credit card score
81
Credit card score
Higher than 55% of U.S. banks and credit unions
- Purchase APRPurchase APR10.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PenAir 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.
Low-Rate Mastercard
Variable rate based on the Wall Street Journal Prime Rate, creditworthiness, qualifications, and collateral conditions. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.49% | None | Variable APR as low as 10.49%. No annual fee or balance transfer fee. Subject to credit approval. |
Sources (3)
All captured Oct 5, 2026
PenAir Rewards Mastercard
Variable rate based on the Wall Street Journal Prime Rate, creditworthiness, qualifications, and collateral conditions. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.65% | None | Variable APR as low as 12.65%. No annual fee or balance transfer fee. Subject to credit approval. |
Sources (3)
All captured Oct 5, 2026
Secured Mastercard
Requires a refundable deposit upfront to open the account, typically equal to the credit limit. Variable rate based on the Wall Street Journal Prime Rate, creditworthiness, qualifications, and collateral conditions. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.65% | None | Variable APR as low as 16.65%. Requires upfront refundable deposit. No annual fee or balance transfer fee. Subject to credit approval. |
Sources (3)
All captured Oct 5, 2026
Who can join PenAir Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open an account if you live, work, go to school, or worship in 19 counties from Mobile County, Alabama to Leon County, Florida.
- Open an account if you live, work, go to school, or worship in one of 24 counties and cities served from Mobile County, Alabama to Leon County, Florida and southwest Virginia.
Membership information collected October 5, 2026.