Credit union · NCUA insured
CEFCU Credit Card Rates
Top CarrotCEFCU credit card rates start at 12.00% APR. Rates checked October 16, 2026.
How CEFCU’s credit card rates compare
Compared with banks and credit unions near Peoria, IL, where CEFCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
CEFCU
– –
No ongoing APR published
Lowest rate
Cooperative Choice Network Credit Union
9.90%APR
2nd-lowest rate
Morton Community Bank
11.00%APR
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.
CEFCU Cash Back Credit Mastercard
Must be a CEFCU member in good standing. Qualifying new accounts opened by December 31, 2026. Annual fee is $0. Earns 1.5% unlimited cash back on qualifying net purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 1.99% | None | Introductory APR for 12 months from account opening on purchases based on creditworthiness for qualifying accounts opened by December 31, 2026. |
| Ongoing | 14.00%–23.50% | None | Variable APR after introductory period ends based on creditworthiness. Margin is 7.25% to 16.75% plus Prime Rate. |
| Ongoing | 17.00%–26.50% | None | Variable APR based on creditworthiness. Margin is 10.25% to 19.75% plus Prime Rate. |
Sources (4)
- cefcu.com/credit-card-disclosures.html
- cefcu.com/promos/creditcard
- cefcu.com/personal/borrow/credit-cards.html
- cefcu.com/rates.html
All captured Oct 16, 2026
CEFCU Credit Mastercard (Non-Rewards)
Must be a CEFCU member in good standing. Qualifying new accounts opened by December 31, 2026. Annual fee is $0.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 1.99% | None | Introductory APR for 12 months from account opening on purchases based on creditworthiness for qualifying accounts opened by December 31, 2026. |
| Ongoing | 12.00%–21.50% | None | Variable APR after introductory period ends based on creditworthiness. Margin is 5.25% to 14.75% plus Prime Rate. |
| Ongoing | 15.00%–24.50% | None | Variable APR based on creditworthiness. Margin is 8.25% to 17.75% plus Prime Rate. |
Sources (4)
- cefcu.com/credit-card-disclosures.html
- cefcu.com/promos/creditcard
- cefcu.com/personal/borrow/credit-cards.html
- cefcu.com/rates.html
All captured Oct 16, 2026
CEFCU Rewards Credit Mastercard
Must be a CEFCU member in good standing. Qualifying new accounts opened by December 31, 2026. Annual fee is $0. Earns CU Rewards points on net purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 1.99% | None | Introductory APR for 12 months from account opening on purchases based on creditworthiness for qualifying accounts opened by December 31, 2026. |
| Ongoing | 13.00%–22.50% | None | Variable APR after introductory period ends based on creditworthiness. Margin is 6.25% to 15.75% plus Prime Rate. |
| Ongoing | 16.00%–25.50% | None | Variable APR based on creditworthiness. Margin is 9.25% to 18.75% plus Prime Rate. |
Sources (4)
- cefcu.com/credit-card-disclosures.html
- cefcu.com/promos/creditcard
- cefcu.com/personal/borrow/credit-cards.html
- cefcu.com/rates.html
All captured Oct 16, 2026
CEFCU World Credit Mastercard
Must be a CEFCU member in good standing. Qualifying new accounts opened by December 31, 2026. Minimum credit line $7,500. Annual fee is $0. Earns bonus CU Rewards points on select categories. Foreign transaction fees waived.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 1.99% | None | Introductory APR for 12 months from account opening on purchases based on creditworthiness for qualifying accounts opened by December 31, 2026. |
| Ongoing | 13.00%–22.50% | None | Variable APR after introductory period ends based on creditworthiness. Margin is 6.25% to 15.75% plus Prime Rate. |
| Ongoing | 16.00%–25.50% | None | Variable APR based on creditworthiness. Margin is 9.25% to 18.75% plus Prime Rate. |
Sources (4)
- cefcu.com/credit-card-disclosures.html
- cefcu.com/promos/creditcard
- cefcu.com/personal/borrow/credit-cards.html
- cefcu.com/rates.html
All captured Oct 16, 2026
Who can join CEFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or regularly worship in designated California counties are eligible to join CEFCU.
- Individuals who live or work in designated Illinois counties are eligible to join CEFCU.
Employers and groups
- Employees and retirees of Caterpillar Inc., its subsidiaries, or Caterpillar Dealerships are eligible to join CEFCU.
- CEFCU employees and retirees are eligible to join CEFCU.
- Employees and retirees of CEFCU partner companies are eligible to join CEFCU.
Military, government and schools
- Current members of the ISU Alumni Association or ISU Athletic Boosters Association are eligible to join CEFCU.
3 more ways to join
Family and household
- Household members of someone eligible to join CEFCU are eligible for membership.
- Immediate family members of someone eligible to join CEFCU are eligible for membership.
- Surviving spouses of deceased members or individuals who died within the field of membership are eligible to join CEFCU within six months of death.
Membership information collected October 5, 2026.