Credit union · Privately insured
Access Credit Union Credit Card Rates
Access Credit Union credit cards start at 10.80% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Access Credit Union’s credit card rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Access Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Access Credit Union
10.80%APR
- Up to
- 18.00% APR
Visa Platinum Credit Card
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Up to
- —
2nd-lowest rate
Chiphone Federal Credit Union
7.90%APR
- Up to
- —
Access Credit Union credit card score
80
Credit card score
Higher than 52% of U.S. banks and credit unions
- Purchase APRPurchase APR10.80%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Access Credit Union ranks
By credit card score, in each area where it has branches
Every rate
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.
Share Secured Visa Credit Card
Requires placing the credit limit amount in a savings account with a hold placed on it. After 18 months of on-time payments, cardholder may re-apply to qualify for an unsecured Visa.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.90% | None | — |
Sources (2)
All captured Oct 7, 2026
Visa Platinum Credit Card
Fixed rate card with no annual fee and no balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.80%–18.00% | None | Rate is 10.80%, 13.80%, 15.90%, or 18.00%, based on creditworthiness. |
Sources (2)
All captured Oct 7, 2026
Who can join Access Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in the geographic area bordered by Lake Michigan on the East, California Ave on the West, Garfield Ave/55th Street on the South, and Harrison Street on the North.
- Membership is open to individuals who live or work in any of the 22 designated Illinois communities.
Employers and groups
- Membership is open to anyone employed by one of the listed Partner Companies or Organizations.
Family and household
- Membership is open to members of the immediate family or household of a current Access Credit Union member.
Membership information collected October 5, 2026.