The MIDFLORIDA Federal Credit Union Credit Card is a credit card that is available to members and non members of the credit union. This credit union is located in Kissimmee, FL and provides services to the people who live in Osceola and Polk Counties that surrounding that area.
If you live in that area, you can open an account at MIDFLORIDA FCU with as little as $5. The benefit of being a member means that you may qualify for a lower interest rate on your credit card. Get other credit card offers now!
You can go to the MIDFLORIDA FCU website to learn the terms of opening an account with them. You will also learn if there are any fees involved with opening such a small account.
MIDFLORIDA Federal Credit Union Credit Card Overview
The MIDFLORIDA FCU Credit Card is a VISA Platinum credit card. There are three levels of interest for the card that range from 9.99% to 16.99% with a penalty APR of 17.99% if you miss two consecutive payments. Six on time payments will remove the penalty APR.
In order to qualify for the 9.99% APR, you need to have a Equifax beacon score of at least 700. A beacon score of 620 to 699 will yield you an interest rate of 13.99% and a beacon score of 500 to 629 will yield you an interest rate of 16.99%
When you apply for a MIDFLORIDA you specify the amount that you want on your credit card. It is important that you understand that the credit limit you want is not necessarily the credit limit that you will receive.
This VISA card is not a rewards credit card. It does, however, offer a 0% introductory APR for the first 6 months for cash advances and balance transfer credit card activity. In addition, there is no annual fee and there are no minimum interest charges.
MIDFLORIDA Federal Credit Union Credit Card Benefits
- No annual fee
- Low penalty APR that can be removed after 6 months
- Low APR with clear guidelines
- Choose your credit limit
MIDFLORIDA Federal Credit Union Credit Card Bottom Line
As you can see, this is an excellent credit credit card option with clear guidelines as to who can qualify.
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