Credit Cards · West Palm Beach, Florida
2 credit unions in West Palm Beach report credit card APRs to the NCUA. Rates range from 10.00% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
10.00%
Lowest Card APR
14.00%
City Average APR
2 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | FIRST CHOICE ★ 3.4 · 96 reviews | 10.00% | 10.00% |
| 2 | GUARDIANS ★ 3.6 · 363 reviews | 18.00% | 17.45% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in West Palm Beach could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most West Palm Beach 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.