Credit union · NCUA insured
Elite Community Credit Union Credit Card Rates
Elite Community Credit Union credit cards start at 13.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Elite Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Kankakee, IL, where Elite Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Elite Community Credit Union
13.00%APR
Visa Classic Preferred Card
Lowest rate
Federated Bank
7.99%APR
2nd-lowest rate
Illiana Financial
8.75%APR
Elite Community Credit Union credit card score
66
Credit card score
Higher than 17% of U.S. banks and credit unions
- Purchase APRPurchase APR13.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Elite Community 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 Classic Card
Eligible for qualified members. Rate reduction does not apply to VISA Credit Cards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.00% | None | Eligible for qualified members. Rates pertain to any new loan business on or after 03/01/2025, not previous loans. |
Visa Classic Preferred Card
Eligible to qualified full-house members who maintain a share draft and debit card account. Rate reduction does not apply to VISA Credit Cards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.00% | None | Eligible to qualified full-house members (defined as members who maintain a share draft and debit card account). Rates pertain to any new loan business on or after 03/01/2025, not previous loans. |
Who can join Elite Community 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This may be incomplete or out of date, so check with the credit union before you apply.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 Kankakee or Iroquois Counties.
Employers and groups
- Membership is open to employees or retirees of Kensing Solutions (Illinois), BASF Corporation (Illinois), Cognis Corporation (Illinois), or Henkel Corporation (Illinois).
- Membership is open to employees of Sun Chemical (Illinois), Hostmann Steinberg (Illinois), IKO Midwest (Illinois), or Heartland Harvest, Inc.
- Membership is open to employees of Elite Community Credit Union.
- Membership is open to employees of Kankakee County Training Center for the Disabled.
- Membership is open to employees of United Developmental Services.
10 more ways to join
Employers and groups
- Membership is open to parishioners of St. John Paul II, Kankakee (formerly St. Martin’s Church).
Military, government and schools
- Membership is open to employees of Bradley Elementary School District #61 (District Administration Office, Bradley Central, Bradley West, and Bradley East).
- Membership is open to employees of Bourbonnais Elementary School District #53 (Central Office, Robert Frost, Alan Shepard, Shabonna, Noel LeVasseur, Liberty Intermediate, and Upper Grade Center).
- Membership is open to employees of Bradley Bourbonnais Community High School District #307.
- Membership is open to employees of St. George Elementary School District #258.
- Membership is open to employees of Kankakee Area Career Center.
- Membership is open to employees of Kankakee Area Special Education Cooperative.
- Membership is open to employees of Olivet Nazarene University.
- Membership is open to employees of Bourbonnais Fire Protection District.
Family and household
- Membership is open to family members of otherwise eligible persons, defined as spouse, child, sibling, parent, grandparent, grandchild, aunt, uncle, niece, or nephew, including stepparents, stepchildren, stepsiblings, and adoptions.
Cost to join
- A minimum deposit of $25.00 is required before membership can be activated.
Membership information collected October 5, 2026.