Credit Cards · Jacksonville, Florida

Best Credit Union Credit Card Rates in Jacksonville, Florida

9 credit unions in Jacksonville report credit card APRs to the NCUA. Rates range from 10.00% to 16.00%.

Updated Q1 2026 · NCUA Call Report data

9

CUs Reporting Rates

10.00%

Lowest Card APR

13.78%

City Average APR

Credit Card APRs — Jacksonville, Florida

9 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1FARMERS

★ 4.0 · 20 reviews

10.00%10.19%
2COASTLINE

★ 4.4 · 107 reviews

12.15%12.96%
3RADIFI

★ 4.7 · 1,035 reviews

13.40%10.75%
4JAX FIRE

★ 2.9 · 18 reviews

13.92%9.40%
5COMMUNITY FIRST CREDIT UNION OF FLO

★ 4.6 · 56 reviews

14.15%10.25%
6FIRST FLORIDA

★ 3.5 · 33 reviews

14.50%14.24%
7JM ASSOCIATES

★ 3.7 · 7 reviews

14.88%9.99%
8METRO NORTH

★ 4.3 · 11 reviews

15.00%8.22%
9VYSTAR

★ 4.7 · 842 reviews

16.00%15.70%
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 Jacksonville 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 Jacksonville credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

Browse All Credit Unions in Jacksonville

See member reviews, branch locations, and full rate details.