Southern Credit Union, The credit card terms
Credit union · 1 product surveyed · CFPB TCCP survey, Jul-Dec 2025
Southern Credit Union, The reported a surveyed purchase APR of 11.9% (median 11.9%) to the CFPB Terms of Credit Card Plans survey, across 1 product. As a credit union, its cards are capped at an 18% APR by federal law. No annual fee was reported for its surveyed cards. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Southern Credit Union, The surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 11.9% |
| Median purchase APR | 11.9% |
| Rate type | fixed |
| Intro / promo APR offered | Not reported |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 11.9% |
| Annual fee | — |
| Late fee (median) | $29 |
| Secured card offered | Not reported |
| Products surveyed | 1 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Southern Credit Union, The did not report that field in the survey.
How Southern Credit Union, The compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Southern Credit Union, The's median of 11.9% sits around or below the 21% national average APR.
Similar issuers (credit union)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Southern Credit Union, The (this issuer) | 11.9% | 11.9% | — |
| Blucurrent Credit Union | 9.9% – 13.9% | 11.9% | — |
| Dakotaland Federal Credit Union | 9.9% – 17.9% | 11.9% | — |
| North Country Federal Credit Union | 6.45% – 16.95% | 11.95% | — |
| Summit Credit Union | 8.95% – 17.95% | 11.95% | — |
| Sandia Area Federal Credit Union | 8.49% – 17.99% | 11.99% | — |
| Wave Federal Credit Union | 11.99% | 11.99% | — |
Blucurrent Credit Union · Dakotaland Federal Credit Union · North Country Federal Credit Union · Summit Credit Union · Sandia Area Federal Credit Union · Wave Federal Credit Union
Frequently asked questions
What is Southern Credit Union, The's credit card APR?
Southern Credit Union, The reported a purchase APR of 11.9% to the CFPB Terms of Credit Card Plans survey (median 11.9%), across 1 surveyed product. Rates are fixed. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Southern Credit Union, The charge an annual fee?
Southern Credit Union, The did not report an annual fee for its surveyed cards (most general cards from this issuer have no annual fee, though premium cards can). Verify the specific card's terms.
Is Southern Credit Union, The a good choice for a low APR?
Southern Credit Union, The is a credit union, and federal credit unions are capped at an 18% APR by law - so its rates (11.9%) tend to undercut large banks. The CFPB found small banks and credit unions charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) less than large issuers for the same credit tier.
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Sources & accuracy
Terms reported by Southern Credit Union, The (Southern Credit Union, The) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29