Credit union · NCUA insured
The Southern Credit Union Credit Card Rates
The Southern Credit Union credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How The Southern Credit Union’s credit card rates compare
Compared with banks and credit unions near Atlanta, GA, where The Southern Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
The Southern Credit Union
8.90%APR
- Annual fee
- $25
- Up to
- —
Platinum Card
Lowest rate
Faith Connection FCU
8.90%APR
- Annual fee
- None
- Up to
- 17.90% APR
2nd-lowest rate
Family First Credit Union
8.90%APR
- Annual fee
- None
- Up to
- 17.90% APR
The Southern Credit Union credit card score
88
Credit card score
Higher than 80% of U.S. banks and credit unions
- Purchase APRPurchase APR8.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where The Southern 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.
Classic Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | Fixed APR for balance transfers, purchases, and cash advances. $5 cash advance fee per transaction. No balance transfer fee. |
Sources (2)
All captured Oct 7, 2026
Gold Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Fixed APR for balance transfers, purchases, and cash advances. $5 cash advance fee per transaction. No balance transfer fee. |
Sources (2)
All captured Oct 7, 2026
Platinum Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 6.75%–8.90% | $25 | Variable APR based on Prime Rate plus 3.75% as published in the Wall Street Journal as of the 17th day of each month, but will be no more than 8.9% APR (or not less than 6.75% or more than 11.9% APR per page 50 footnote). Applies to balance transfers, purchases, and cash advances. $5 cash advance fee per transaction. No balance transfer fee. |
Sources (2)
All captured Oct 7, 2026
Who can join The Southern Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live or work in the Georgia counties of Butts, Carroll, Clayton, Coweta, Fayette, Fulton, Henry, Lamar, Meriwether, Pike, Spalding, Troup, or Upson.
Employers and groups
- Membership is open to individuals employed by a Select Employer Group or associated with a Select Organization Group.
Family and household
- Membership is open to immediate family members, including spouses, siblings, parents, children, grandchildren, and grandparents related by blood or marriage.
Cost to join
- An opening deposit of at least $25 is required to establish membership, which is refundable upon account closure.
Membership information collected October 4, 2026.