Credit Cards · Boca Raton, Florida

Best Credit Union Credit Card Rates in Boca Raton, Florida

2 credit unions in Boca Raton report credit card APRs to the NCUA. Rates range from 12.65% to 12.90%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

12.65%

Lowest Card APR

12.78%

City Average APR

Credit Card APRs — Boca Raton, Florida

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	ITHINK FINANCIAL ★ 3.3 · 65 reviews	12.65%	11.40%
2	SOUTH ATLANTIC ★ 4.5 · 17 reviews	12.90%	10.95%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Lower APR Beats Rewards If You Carry a Balance

On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Boca Raton could save you significantly more than any rewards program.

Join First, Then Apply

You must be a member to get a credit union credit card. Most Boca Raton credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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