Credit union · NCUA insured
Southern CU Credit Card Rates
Southern CU credit cards start at 10.00% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Southern CU’s credit card rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where Southern CU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Southern CU
10.00%APR
VISA Gold
Lowest rate
Peach State Federal Credit Union
8.90%APR
2nd-lowest rate
Healthcare Services Credit Union
8.99%APR
Southern CU credit card score
81
Credit card score
Higher than 57% of U.S. banks and credit unions
- Purchase APRPurchase APR10.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southern CU 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.
VISA Classic
Type of card and interest rate are determined by credit request and credit score. Subject to credit approval. Includes 25-day grace period for purchases and cash withdrawals at the same APR.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.00% | None | Rates as low as 10%. Terms and rates subject to credit score. |
Sources (2)
All captured Oct 7, 2026
VISA Classic Secured
VISA secured by a savings account. Subject to credit approval. Includes 25-day grace period for purchases and cash withdrawals at the same APR.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.00% | None | Rates as low as 10%. Terms and rates subject to credit score. |
Sources (2)
All captured Oct 7, 2026
VISA Gold
Type of card and interest rate are determined by credit request and credit score. Subject to credit approval. Includes 25-day grace period for purchases and cash withdrawals at the same APR.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.00% | None | Rates as low as 10%. Terms and rates subject to credit score. |
Sources (2)
All captured Oct 7, 2026
Who can join Southern CU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.