M

Credit Cards · Key West, Florida

Best Credit Union Credit Card Rates in Key West, Florida

2 credit unions in Key West report credit card APRs to the NCUA. Rates range from 14.00% to 15.90%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

14.00%

Lowest Card APR

14.95%

City Average APR

Credit Card APRs — Key West, Florida

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1KEYS

★ 4.2 · 294 reviews

14.00%14.00%
2SOUTHERNMOST

★ 4.4 · 7 reviews

15.90%11.36%
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 Key West 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 Key West credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

Also Compare in Key West

Best Car Loan Rates →Best Personal Loan Rates →All of Florida →

Browse All Credit Unions in Key West

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

Credit Unions in Key West →All of Florida →