Credit union · NCUA insured
We Florida Financial Credit Card Rates
We Florida Financial credit cards start at 13.15% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How We Florida Financial’s credit card rates compare
Compared with banks and credit unions near Miami, FL, where We Florida Financial has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
We Florida Financial
13.15%APR
Platinum Card
Lowest rate
Hialeah Municipal Employees Federal Credit Union
7.99%APR
2nd-lowest rate
First Choice Credit Union
8.75%APR
We Florida Financial credit card score
66
Credit card score
Higher than 17% of U.S. banks and credit unions
- Purchase APRPurchase APR13.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where We Florida Financial 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.
Platinum Card
Must be a We Florida Financial member (requires opening Member Savings account with $5 minimum deposit/balance; membership open to those living/working in 46 specified FL counties or via FL relative). Variable APR based on Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.15% | None | Standard ongoing APR 'as low as' rate. |
| Intro, 12 months | 0.00% | None | Introductory 0% APR on purchases for 12 months from account open date. After intro period, balance converts to index plus margin disclosed at approval. |
Sources (3)
All captured Oct 15, 2026
Secured Card
Must be a We Florida Financial member (requires opening Member Savings account with $5 minimum deposit/balance; membership open to those living/working in 46 specified FL counties or via FL relative). Secured by shares/deposits. No prior credit history required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.50% | $50 | APR 'as low as' rate. Annual fee is $50. |
Sources (3)
All captured Oct 15, 2026
Signature Rewards Card
Must be a We Florida Financial member (requires opening Member Savings account with $5 minimum deposit/balance; membership open to those living/working in 46 specified FL counties or via FL relative). Points may be spent on items including cash, gift cards, and merchandise. Variable APR based on Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.15% | None | Standard ongoing purchase/variable APR 'as low as' rate. |
| Intro, 6 months | 1.99% | None | Introductory 1.99% APR on purchases for 180 days. After intro period, balance converts to index plus margin disclosed at approval. |
| Intro, 12 months | 1.99% | None | Introductory 1.99% APR on balance transfers for 12 months. After intro period, balance converts to index plus margin disclosed at approval. |
Sources (3)
All captured Sep 18, 2026
Who can join We Florida Financial
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 or works part- or full-time in one of 46 specified Florida counties is eligible to join.
Family and household
- Individuals living elsewhere can join if they have a relative who lives or works in any of the 46 eligible Florida counties and opens an account.
Cost to join
- A minimum deposit and balance of $5 is required to open a Member Savings account.
Membership information collected October 5, 2026.