Credit union · NCUA insured
Southern FCU Credit Card Rates
Southern FCU credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Southern FCU’s credit card rates compare
Compared with banks and credit unions near Houston, TX, where Southern FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Southern FCU
10.90%APR
- Annual fee
- None
Platinum Preferred Visa®
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Annual fee
- None
2nd-lowest rate
Houston Federal Credit Union
7.00%APR
- Annual fee
- $50
Southern FCU credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southern 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.
Gold Visa®
Designed for members with credit limits under $10,000. Must be a member in good standing to apply. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory 0% intro APR on new account online balance transfers valid for the first 12 months from account opening. After that, standard APR applies. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- southernfederalcu.org/credit-cards · captured Oct 7, 2026
Platinum Preferred Visa®
Reserved for members who qualify for higher credit limits. Must be a member in good standing to apply. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Standard APR as low as 10.90% APR. No annual fee. |
| Intro, 12 months | 0.00% | None | Introductory 0% intro APR on new account online balance transfers valid for the first 12 months from account opening. After that, standard APR applies. |
Sources (1)
- southernfederalcu.org/credit-cards · captured Oct 7, 2026
Who can join Southern FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.