Florida Credit UnionFresh StartRegistry illustration · issuer artwork unavailable
Fresh StartFlorida Credit Union · state credit union, FL · NCUA 60497
CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer
Purchase APR
Balance transfer
Cash advance APR
Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | 23.99%FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “7. A $100 annual fee applies. The APR for purchases, balance transfers, and cash advances is 23.99%. If interest is charged, the minimum interest charge is $1.50. The balance transfer fee is 3% of each transfer or $5, whichever is greater. The cash advance fee is 3% of each advance or $5, whichever is greater. The foreign transaction fee is 1% of each transaction in U.S. dollars. Rates and terms …”FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for balance transfers | 23.99%FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “7. A $100 annual fee applies. The APR for purchases, balance transfers, and cash advances is 23.99%. If interest is charged, the minimum interest charge is $1.50. The balance transfer fee is 3% of each transfer or $5, whichever is greater. The cash advance fee is 3% of each advance or $5, whichever is greater. The foreign transaction fee is 1% of each transaction in U.S. dollars. Rates and terms …”FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for cash advances | 23.99%FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “7. A $100 annual fee applies. The APR for purchases, balance transfers, and cash advances is 23.99%. If interest is charged, the minimum interest charge is $1.50. The balance transfer fee is 3% of each transfer or $5, whichever is greater. The cash advance fee is 3% of each advance or $5, whichever is greater. The foreign transaction fee is 1% of each transaction in U.S. dollars. Rates and terms …”FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Minimum interest charge | $1.50FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “7. A $100 annual fee applies. The APR for purchases, balance transfers, and cash advances is 23.99%. If interest is charged, the minimum interest charge is $1.50. The balance transfer fee is 3% of each transfer or $5, whichever is greater. The cash advance fee is 3% of each advance or $5, whichever is greater. The foreign transaction fee is 1% of each transaction in U.S. dollars. Rates and terms …”FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Annual fee | $100, $100 annual feeFLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “$100 annual fee”FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | |||
| Cash advance | 3% of the amount, minimum $5, 7. A $100 annual fee applies. The APR for purchases, balance transfers, and cash advances is 23.99%. If interest is charged, the minimum interest charge is $1.50. The balance transfer fee is 3% of each transfer or $5, whichever is greater. The cash advance fee is 3% of each advance or $5, whichever is greater. The foreign transaction fee is 1% of each transaction in U.S. dollars. Rates and terms are accurate as of 09/21/2026 and are subject to change. Free membership is open to anyone within Florida Credit Union's 48 county field of membership. Visit flcu.org/about/information/membership/ for other qualifying ways to join. Approval required, if approved subject to maintain a minimum $5 balance in savings.FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “7. A $100 annual fee applies. The APR for purchases, balance transfers, and cash advances is 23.99%. If interest is charged, the minimum interest charge is $1.50. The balance transfer fee is 3% of each transfer or $5, whichever is greater. The cash advance fee is 3% of each advance or $5, whichever is greater. The foreign transaction fee is 1% of each transaction in U.S. dollars. Rates and terms …”FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Balance transfer | 3% of the amount, minimum $5, 7. A $100 annual fee applies. The APR for purchases, balance transfers, and cash advances is 23.99%. If interest is charged, the minimum interest charge is $1.50. The balance transfer fee is 3% of each transfer or $5, whichever is greater. The cash advance fee is 3% of each advance or $5, whichever is greater. The foreign transaction fee is 1% of each transaction in U.S. dollars. Rates and terms are accurate as of 09/21/2026 and are subject to change. Free membership is open to anyone within Florida Credit Union's 48 county field of membership. Visit flcu.org/about/information/membership/ for other qualifying ways to join. Approval required, if approved subject to maintain a minimum $5 balance in savings.FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “7. A $100 annual fee applies. The APR for purchases, balance transfers, and cash advances is 23.99%. If interest is charged, the minimum interest charge is $1.50. The balance transfer fee is 3% of each transfer or $5, whichever is greater. The cash advance fee is 3% of each advance or $5, whichever is greater. The foreign transaction fee is 1% of each transaction in U.S. dollars. Rates and terms …”FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | 1% of the amount, 7. A $100 annual fee applies. The APR for purchases, balance transfers, and cash advances is 23.99%. If interest is charged, the minimum interest charge is $1.50. The balance transfer fee is 3% of each transfer or $5, whichever is greater. The cash advance fee is 3% of each advance or $5, whichever is greater. The foreign transaction fee is 1% of each transaction in U.S. dollars. Rates and terms are accurate as of 09/21/2026 and are subject to change. Free membership is open to anyone within Florida Credit Union's 48 county field of membership. Visit flcu.org/about/information/membership/ for other qualifying ways to join. Approval required, if approved subject to maintain a minimum $5 balance in savings.FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “7. A $100 annual fee applies. The APR for purchases, balance transfers, and cash advances is 23.99%. If interest is charged, the minimum interest charge is $1.50. The balance transfer fee is 3% of each transfer or $5, whichever is greater. The cash advance fee is 3% of each advance or $5, whichever is greater. The foreign transaction fee is 1% of each transaction in U.S. dollars. Rates and terms …”FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| APR qualificationsBalance transfer · Regular; Cash advance · Regular; Purchase · Regular | 7. A $100 annual fee applies. The APR for purchases, balance transfers, and cash advances is 23.99%. If interest is charged, the minimum interest charge is $1.50. The balance transfer fee is 3% of each transfer or $5, whichever is greater. The cash advance fee is 3% of each advance or $5, whichever is greater. The foreign transaction fee is 1% of each transaction in U.S. dollars. Rates and terms are accurate as of 09/21/2026 and are subject to change. Free membership is open to anyone within Florida Credit Union's 48 county field of membership. Visit flcu.org/about/information/membership/ for other qualifying ways to join. Approval required, if approved subject to maintain a minimum $5 balance in savings. FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “7. A $100 annual fee applies. The APR for purchases, balance transfers, and cash advances is 23.99%. If interest is charged, the minimum interest charge is $1.50. The balance transfer fee is 3% of each transfer or $5, whichever is greater. The cash advance fee is 3% of each advance or $5, whichever is greater. The foreign transaction fee is 1% of each transaction in U.S. dollars. Rates and terms …”FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |