Credit union · NCUA insured
Central Illinois Credit Union Credit Card Rates
Central Illinois Credit Union credit cards start at 11.75% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Central Illinois Credit Union’s credit card rates compare
Compared with banks and credit unions near Champaign, IL, where Central Illinois Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Central Illinois Credit Union
11.75%APR
Visa Credit Card
Lowest rate
U of I Community Credit Union
9.90%APR
2nd-lowest rate
Morton Community Bank
11.00%APR
Central Illinois Credit Union credit card score
74
Credit card score
Higher than 37% of U.S. banks and credit unions
- Purchase APRPurchase APR11.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Central Illinois 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.
Visa Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.75% | None | — |
Sources (1)
- cicu.com/rates · captured Oct 7, 2026
Who can join Central Illinois Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who reside or are employed within Champaign, Coles, Cumberland, DeWitt, Douglas, Ford, Moultrie, or Piatt counties in Illinois are eligible for membership.
Employers and groups
- Employees of IGA stores in Illinois that are corporately owned by SuperValu/UNFI are eligible for membership.
- Owners and employees of IGA and SuperValu/UNFI stores in Illinois and Indiana under contract with and supplied by SuperValu/UNFI Company are eligible for membership.
- Employees and owner operators under contract as suppliers with Brisk and SuperValu/UNFI Company in Urbana, Illinois are eligible for membership.
- Employees of the News-Gazette are eligible for membership.
- Employees of the Credit Union are eligible for membership.
1 more way to join
Family and household
- Immediate family members or household members of eligible persons are eligible for membership.
Cost to join
- Joining CICU requires opening a share (savings) account with a minimum initial deposit of $5.
Membership information collected October 5, 2026.