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Florida Credit Union

Product terms with exact source passages
TermValueSource
APR for purchases23.99%FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for balance transfers23.99%FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for cash advances23.99%FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Minimum interest charge$1.50FLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Annual fee$100, $100 annual feeFLORIDA · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance3% 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, 2026Website
Balance transfer3% 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, 2026Website
Foreign transaction1% 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, 2026Website
Penalty fees
Late payment—
Returned payment—
APR qualificationsBalance transfer · Regular; Cash advance · Regular; Purchase · Regular7. 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, 2026Website