Credit Cards · Orlando, Florida

Best Credit Union Credit Card Rates in Orlando, Florida

4 credit unions in Orlando report credit card APRs to the NCUA. Rates range from 9.90% to 18.00%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.90%

Lowest Card APR

14.16%

City Average APR

Credit Card APRs — Orlando, Florida

4 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	PRIORITY ★ 4.5 · 157 reviews	9.90%	12.00%
2	MCCOY ★ 4.3 · 227 reviews	13.00%	7.99%
3	ORLANDO ★ 3.9 · 98 reviews	15.74%	10.49%
4	FAIRWINDS ★ 4.0 · 127 reviews	18.00%	10.00%

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

Also Compare in Orlando

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

Browse All Credit Unions in Orlando

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

Credit Unions in Orlando →All of Florida →