Credit union · NCUA insured
Tru-Fi Credit Union Credit Card Rates
Tru-Fi Credit Union credit cards start at 13.50% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Tru-Fi Credit Union’s credit card rates compare
Compared with banks and credit unions near Jacksonville, FL, where Tru-Fi Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Tru-Fi Credit Union
13.50%APR
Platinum
Lowest rate
Jax Fire Credit Union
8.64%APR
2nd-lowest rate
SUMA Federal Credit Union
9.00%APR
Tru-Fi Credit Union credit card score
65
Credit card score
Higher than 14% of U.S. banks and credit unions
- Purchase APRPurchase APR13.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Tru-Fi 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.
Credit Card - Secured
Interest Rates shown are effective as of 7/1/2026 unless otherwise noted. The APR you receive will be within the range disclosed above and is based on certain credit-worthiness criteria.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.50% | None | APR as low as 13.50%. Subject to credit-worthiness criteria. |
Sources (1)
- truficu.org/resources/current-rates · captured Oct 5, 2026
Platinum
All loans subject to approval and actual rate may vary and is based on an evaluation of the individual's credit history. Programs, rates and terms are subject to change at any time without notice. Certain restrictions apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.50% | None | Rates as low as 13.50%. Actual rate may vary based on credit history. |
| Intro, 6 months | 0.00% | None | 0% APR on balance transfers for the first 6 billing cycles / 6 months following date of transfer. Not applicable to existing TRU·FI CU credit cards. |
Sources (2)
All captured Oct 5, 2026
Who can join Tru-Fi Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or attend school or church in Baker County, Nassau County, or ZIP codes 32234, 32220, or 32221 of Duval County, Florida, are eligible for membership.
Family and household
- Immediate family members (related by blood, marriage, or adoption) of members and individuals permanently living within a primary member's household are eligible to join.
Other ways
- Organizations of people within the field of membership (or their immediate family), including corporations, LLCs, and partnerships, are eligible for membership.
Membership information collected October 5, 2026.