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Credit union · NCUA insured

2 Rivers Area Credit Union Credit Card Rates

2 Rivers Area Credit Union credit cards start at 13.44% APR on purchases, after any introductory rate. Rates checked October 16, 2026.

How 2 Rivers Area Credit Union’s credit card rates compare

Compared with banks and credit unions near Kankakee, IL, where 2 Rivers Area Credit Union has the most branches. Ongoing purchase APR, lowest first.

  • This credit union’s lowest

    2 Rivers Area Credit Union

    13.44%APR

    Visa Cards

  • Top Carrot, Carrot Score 89

    Lowest rate

    Federated Bank

    7.99%APR

    Federated Bank rates

  • Top Carrot, Carrot Score 88

    2nd-lowest rate

    Illiana Financial

    8.75%APR

    Illiana Financial rates

Compare credit card rates near you →

2 Rivers Area Credit Union credit card score

66

Credit card score

Higher than 16% of U.S. banks and credit unions

By rate
  • Purchase APRPurchase APR13.44%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where 2 Rivers Area Credit Union ranks

By credit card score, in each area where it has branches

Current credit card rates

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

Who can join 2 Rivers Area Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

  • Open to all persons living in or working in Kankakee, Will, and Iroquois Counties.

Employers and groups

  • Open to employees of Shapiro Developmental Center, Illinois Veterans in Manteno, or Fox Development Center.
  • Open to persons retired as pensioners or annuitants from qualifying employers (Shapiro Developmental Center, Illinois Veterans in Manteno, or Fox Development Center).

Family and household

  • Open to spouses of persons who expired while within the field of membership.
  • Open to family members (spouse, child, sibling, parent, grandparent, grandchild, aunt, uncle, niece, nephew, stepparents, stepchildren, step-siblings, and adoptions) and household members (people living in the same residence as a single economic unit) of otherwise eligible persons.

Membership information collected October 5, 2026.

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