Credit union · NCUA insured
Velocity Community Credit Union Credit Card Rates
Velocity Community Credit Union credit cards start at 13.00% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Velocity Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Miami, FL, where Velocity Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Velocity Community Credit Union
13.00%APR
- Up to
- 18.00% APR
Low-Rate VISA Credit Card
Lowest rate
Hialeah Municipal Employees Federal Credit Union
7.99%APR
- Up to
- —
2nd-lowest rate
First Choice Credit Union
8.75%APR
- Up to
- —
Velocity Community Credit Union credit card score
66
Credit card score
Higher than 17% of U.S. banks and credit unions
- Purchase APRPurchase APR13.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Velocity Community 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.
Low-Rate Secured VISA
Credit builder card secured by a deposit hold equal to the credit limit. Minimum deposit required is $500 for youth accounts and $1,000 for adults. Variable rate based on Prime Rate (6.75% as of October 6, 2026) plus margin.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Standard variable rate. Credit limit is equal to deposit amount. Deposit required is $500 for youth and $1,000 for adults. |
Sources (2)
All captured Oct 15, 2026
Low-Rate VISA Credit Card
Variable-rate based on Prime Rate (6.75% as of October 6, 2026) plus margin. Rate determined by creditworthiness. No annual fee, no application fee, no inactivity fee, nor over-limit fee. 1% foreign transaction fee applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.00%–18.00% | None | Standard variable rate for current cardholders or purchases. Determined by creditworthiness. |
| Intro, 12 months | 0.00% | None | Introductory rate for 12 months (12 billing cycles) on balance transfers made within the first 90 days of account opening with no balance transfer fee (after 90 days, a fee of 2% or $5 minimum applies). Existing VCCU VISA balances are not transferable. |
Sources (2)
All captured Oct 15, 2026
Rewards Secured VISA
Credit builder card secured by a deposit hold equal to the credit limit. Minimum deposit required is $500 for youth accounts and $1,000 for adults. Variable rate based on Prime Rate (6.75% as of October 6, 2026) plus margin.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Standard variable rate. Credit limit is equal to deposit amount. Deposit required is $500 for youth and $1,000 for adults. |
Sources (2)
All captured Oct 15, 2026
Rewards VISA Credit Card
Variable-rate based on Prime Rate (6.75% as of October 6, 2026) plus margin. Rate determined by creditworthiness. No annual fee, no application fee, no inactivity fee, nor over-limit fee. 1% foreign transaction fee applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.00%–18.00% | None | Standard variable rate for current cardholders or purchases. Determined by creditworthiness. |
| Intro, 12 months | 0.00% | None | Introductory rate for 12 months (12 billing cycles) on balance transfers made within the first 90 days of account opening with no balance transfer fee (after 90 days, a fee of 2% or $5 minimum applies). Existing VCCU VISA balances are not transferable. |
Sources (2)
All captured Oct 15, 2026
Who can join Velocity Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives in Palm Beach County is eligible for membership.
- Anyone who attends school in Palm Beach County is eligible for membership.
- Anyone who works in Palm Beach County is eligible for membership.
- Anyone who worships in Palm Beach County is eligible for membership.
Family and household
- Individuals who have family eligible for membership can apply.
Membership information collected October 5, 2026.