Credit Cards · Pensacola, Florida
5 credit unions in Pensacola report credit card APRs to the NCUA. Rates range from 9.90% to 12.40%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
9.90%
Lowest Card APR
10.88%
City Average APR
5 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | GULF WINDS ★ 4.0 · 30 reviews | 9.90% | 9.99% |
| 2 | MY PENSACOLA ★ 4.0 · 45 reviews | 10.29% | 12.37% |
| 3 | LOYALTY ★ 4.0 · 43 reviews | 10.90% | 10.49% |
| 4 | MEMBERS FIRST CREDIT UNION OF FLORI ★ 4.9 · 552 reviews | 10.90% | 9.95% |
| 5 | PENAIR ★ 4.7 · 84 reviews | 12.40% | 17.90% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Pensacola could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Pensacola credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.