Credit union · NCUA insured
Decatur Earthmover Credit Union Credit Card Rates
Top CarrotDecatur Earthmover Credit Union credit card rates start at 8.00% APR. Rates checked October 16, 2026.
How Decatur Earthmover Credit Union’s credit card rates compare
Compared with banks and credit unions near Decatur, IL, where Decatur Earthmover Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Decatur Earthmover Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
1st MidAmerica Credit Union
8.90%APR
- Up to
- —
2nd-lowest rate
Staley Credit Union
9.90%APR
- Up to
- 16.90% 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.
0% Visa
DECU membership required. Qualifying household must have a checking account with a debit card or a money market account; some type of automatic deposit to a DECU account; and a $10,000 relationship (any combination of household savings, loans, and Visa credit limits; primary applicant must own the account or a secondary-account owner must be a co-applicant). Limit one 0% Visa account per household (more than one card allowed). Stated credit limit $1,500. Cash advances and balance transfers are not available. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | None | Schumer box Annual Percentage Rate 0.00%; marketing APR starting at 0.000%. Balance-transfer and cash-advance APRs not available. Duration of 0% APR not stated. Monthly payment is 10% of outstanding balance with a $50 minimum. |
No ongoing APR is published for this card, only the rate above.
Sources (2)
All captured Oct 16, 2026
Platinum Visa
DECU membership required. One card with two options: a lower APR (1% lower, ranging from 8.5% to 18.0% based on Beacon Score), or rewards (1 point per $1 spent after the billing cycle); choosing the lower interest rate option makes the account ineligible for rewards. Minimum monthly payment is 3% of the balance or $10, whichever is greater. No annual fee. 25-day grace period on purchases. Cash advances for quick funds with no fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.50%–18.00% | None | Annual Percentage Rate (APR) for Purchases 8.5% to 18.0% based on Beacon Score. Marketing also states APR Starting At 8.500%. 25-day grace period to avoid paying interest on purchases. Lower-rate option vs rewards; rewards option APR is not separately published. |
Sources (2)
All captured Oct 16, 2026
Student Visa
DECU membership required. For high school or college students establishing credit; parent co-sign if under 18. Stated credit limits $250 to $2,000. No annual fee. Minimum payment is 2% of the balance or $10, whichever is greater. 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.00% | None | Annual Percentage Rate (APR) for Purchases 8.00%. Marketing also states APR Starting At 8.000%. 25-day grace period to avoid paying interest on purchases. |
Sources (2)
All captured Oct 16, 2026
Who can join Decatur Earthmover Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.