Credit union · Privately insured
Blackhawk Area Credit Union Credit Card Rates
Blackhawk Area Credit Union credit cards start at 9.95% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Blackhawk Area Credit Union’s credit card rates compare
Compared with banks and credit unions near Rochelle, IL, where Blackhawk Area Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Blackhawk Area Credit Union
9.95%APR
PLATINUM
2nd-lowest rate
Consumers Credit Union
14.99%APR
Blackhawk Area Credit Union credit card score
83
Credit card score
Higher than 64% of U.S. banks and credit unions
- Purchase APRPurchase APR9.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Blackhawk Area 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.
CLASSIC
Grace period for repayment of the balance for purchases is 25 days; no grace period for cash advances. Method of computing balance for purchases: Average daily balances (including new purchases).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 7.95% | None | Introductory offer for 6 billing cycles. |
| Ongoing | 11.95% | None | Standard APR for purchases, cash advances, and balance transfers. |
Sources (1)
- bacu.org/services/online-loan-app · captured Oct 7, 2026
GENY
Grace period for repayment of the balance for purchases is 25 days; no grace period for cash advances. Method of computing balance for purchases: Average daily balances (including new purchases).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.95% | None | Rate applies to purchases, cash advances, and balance transfers. No introductory offer. |
Sources (1)
- bacu.org/services/online-loan-app · captured Oct 7, 2026
PLATINUM
Grace period for repayment of the balance for purchases is 25 days; no grace period for cash advances. Method of computing balance for purchases: Average daily balances (including new purchases).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 7.95% | None | Introductory offer for 6 billing cycles. |
| Ongoing | 9.95% | None | Standard APR for purchases, cash advances, and balance transfers. |
Sources (1)
- bacu.org/services/online-loan-app · captured Oct 7, 2026
Who can join Blackhawk 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
- Membership is open to anyone who lives or works in the Illinois counties of Carroll, JoDaviess, Lee, Ogle, Stephenson, and Whiteside.
Family and household
- Family members of current members are eligible for membership regardless of where they live, including spouses, parents, grandparents, children and legal dependents, brothers, sisters and their spouses, grandchildren, aunts, uncles, nieces, nephews, cousins, and sons- and daughters-in-law.
Cost to join
- A deposit of at least $25.00 ($5.00 for individuals under age 26) in a savings account is required and can be withdrawn upon closing membership.
- There is a $1.00 membership fee to join BACU.
Membership information collected October 5, 2026.