The Florida Credit Union is a personal credit card from Florida Credit Union. The annual fee is $100 annual fee. The ongoing APR is 23.99% APR for purchases, balance transfers, and cash advances (rates and terms accurate as of 09/21/2026) after a No introductory APR (0.00% introductory interest rate not available for the Fresh Start card) introductory rate. Typical credit limit: Credit range from $2,000 to $5,000. Loan terms: Your due date is at least 25 days after the close of each billing cycle; no interest on new purchases if you pay your entire balance by the due date each month.