Members First Credit Union of Florida Credit Cards

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Members First Visa Platinum With Annual Fee

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Visit Card Site Terms & Conditions

BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good

Visa Processing Network

$12 Annual Fee

Members First Visa Platinum With Annual Fee

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• 10.90% Fixed Regular Purchase APR
• 10.90% Fixed Balance Transfer APR
• 10.90% Fixed Cash Advance APR

At a Glance

The Members First Visa Platinum with Annual Fee Card is a low APR credit card that also earns rewards with every purchase. The card, an offering from Panhandle-based credit union, Members First Credit Union of Florida, features an excellent fixed-rate APR that is 2% lower than the no annual fee version of the card, for an annual fee of just $2.

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• Enjoy special 2x bonus points on every purchase
• Easily redeem points for a variety of rewards
• Mobile wallet comparability

• Regular Purchase APR: 10.90% Fixed
• Balance Transfer APR: 10.90% Fixed
• Cash Advance APR: 10.90% Fixed
• Annual Fee: $12
• Foreign Transaction Fee: 1% of the transaction in U.S. Dollars
• Late Payment Penalty Fee: Up to $37
• Return Payment Penalty Fee: Up to $37

• You already bank with Members First CU of Florida, or live within the catchment area
• You want a fixed rate APR instead of a rate that may change monthly
• You don’t mind paying $12 a year for a great rate
• You want to earn rewards with every purchase

More Details

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Members First Visa Platinum With No Annual Fee

Add to compare

Visit Card Site Terms & Conditions

BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good

Visa Processing Network

None Annual Fee

Members First Visa Platinum With No Annual Fee

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• 12.90% Fixed Regular Purchase APR
• 12.90% Fixed Balance Transfer APR
• 12.90% Fixed Cash Advance APR

At a Glance

The Members First Visa Platinum with No Annual Fee Card is a low APR credit card that also earns rewards with every purchase. The card, from Panhandle-based credit union, Members First Credit Union of Florida, features an excellent fixed-rate APR that, while 2% higher than the rate offered by the annual fee version of the card, is still almost 5% lower than the national average.

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• No annual fee
• Enjoy a special 2X bonus points on every purchase
• Easily redeem points for a variety of rewards

• Regular Purchase APR: 12.90% Fixed
• Balance Transfer APR: 12.90% Fixed
• Cash Advance APR: 12.90% Fixed
• Foreign Transaction Fee: 1% of the transaction in U.S. Dollars
• Late Payment Penalty Fee: Up to $37
• Return Payment Penalty Fee: Up to $37

• You already bank with Members First CU of Florida, or live within the membership area
• You want a fixed rate APR instead of a rate that may change monthly
• You prefer not to pay an annual fee to get a great APR
• You want to earn rewards with every purchase

More Details

Read Full Review

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About Members First Credit Union of Florida

Members First Credit Union of Florida (sometimes stylized as Members First CU of Florida) is a community-owned and operated financial institution with its headquarters in Escambia County, Florida.

The credit union’s history dates to May 1954 and Escambia County Teachers Credit Union. The initially stated goal of the credit union was encouraging savings by offering a good return on member investments.

Membership was initially open to school district administrative, instructional, and instructional-support employees. These criteria were soon expanded include both current and former students of the geographical area. This expansion of membership also resulted in a new name: Education Credit Union of Northwest Florida.

In 1996, the current name, Members First Credit Union of Florida, was adopted. The credit union continues its mission of providing exceptional service to members, including those who work, live, or attend school in Escambia, Santa Rosa, or Okaloosa counties.

Membership Eligibility

Membership with Members First Credit Union of Florida is based on geographic location and employment and educational status. Membership is currently available to anyone who:

• Resides, works, or studies (including former students) in Escambia, Santa Rosa, or Okaloosa County, Florida
• Is an employee or retiree of any educational institution in Escambia, Santa Rosa, or Okaloosa County, Florida
• Holds membership – or associate membership – with the Escambia Retired Educators Association
• Is an Immediate family member of any individual named above

Membership is also open to any groups within Santa Rosa County with 20 or more employees whose function is construction, manufacturing or industrial.

Additionally, any current, former, and retired employees or groups on retainer or who hold a contract with Sterling Fibers (Pace Plant), Cytec Industries, American Cyanamid, or Cyanamid Employees Credit Union, may join Members First CU.

To join the credit union, an applicant must open a Regular Savings Account (also known as a Shared Savings Account) and maintain a minimum balance of $5.

Branch Locations

Members First Credit Union of Florida currently operates five branches: four in Pensacola and one in Pace, FL. For more information on credit union locations, including ATMs, directions, and more, please visit the dedicated locations and contact us page.