Credit union · NCUA insured
Community Trust Credit Union Credit Card Rates
Community Trust Credit Union credit cards start at 10.70% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Community Trust Credit Union’s credit card rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Community Trust Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Community Trust Credit Union
10.70%APR
- Up to
- 19.70% APR
Platinum Low Rate
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Up to
- —
2nd-lowest rate
Chiphone Federal Credit Union
7.90%APR
- Up to
- —
Community Trust Credit Union credit card score
80
Credit card score
Higher than 54% of U.S. banks and credit unions
- Purchase APRPurchase APR10.70%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Community Trust 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.
Platinum Cash Back
Variable APR based on applicant's credit worthiness, based on the Prime Rate. Applicants must meet CTCU membership eligibility and credit union guidelines. Minimum revolving credit line is $500. Earns 1% cash back rebate on net purchases up to $2,000/month.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.70% | None | Rate is as low as 12.70% APR. Variable rate based on Prime Rate. No annual fee. Minimum balance/credit line is $500.00. |
Platinum Low Rate
Variable APR based on applicant's credit worthiness, equal to Prime (7.00% as of September 17, 2026) plus 3.70% - 12.70%. Applicants must meet CTCU membership eligibility and credit union guidelines. Minimum revolving credit line is $500.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.70% | None | Rate is as low as 10.70% APR (Prime + 3.70%). Margin ranges from 3.70% to 12.70%. No annual fee. Minimum balance/credit line is $500.00. |
Who can join Community Trust Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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 or work in Lake or McHenry Counties in Illinois or Kenosha County in Wisconsin are eligible for membership.
Family and household
- Individuals who have a relative who is a CTCU member are eligible for membership.
Cost to join
- Opening a membership requires $5.00.
Membership information collected October 5, 2026.