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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®

  • Top Carrot, Carrot Score 99

    Lowest rate

    Harris County Federal Credit Union

    5.90%APR

    Annual fee
    None

    Harris County Federal Credit Union rates

  • Top Carrot, Carrot Score 92

    2nd-lowest rate

    Houston Federal Credit Union

    7.00%APR

    Annual fee
    $50

    Houston Federal Credit Union rates

Compare credit card rates near you →

Southern FCU credit card score

79

Credit card score

Higher than 48% of U.S. banks and credit unions

By rate
  • 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.

How the score works →

Where Southern FCU ranks

By credit card score, in each area where it has branches

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.

Who can join Southern FCU

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

← Southern FCU overview