Credit union · NCUA insured
IAA Credit Union Credit Card Rates
Top CarrotIAA Credit Union credit cards start at 10.49% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How IAA Credit Union’s credit card rates compare
Compared with banks and credit unions near Bloomington, IL, where IAA Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
IAA Credit Union
10.49%APR
- Up to
- 14.49% APR
COUNTRY VISA
Lowest rate
Bloomington Municipal Credit Union
8.90%APR
- Up to
- —
2nd-lowest rate
Illinois State Credit Union
9.90%APR
- Up to
- —
IAA Credit Union credit card score
81
Credit card score
Higher than 55% of U.S. banks and credit unions
- Purchase APRPurchase APR10.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where IAA 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.
COUNTRY VISA
Exclusive to COUNTRY Financial employees and agents. No annual fee, no minimum finance charge, and a 25-day grace period for all purchases. Secured VISA option available, linked to a qualifying share account. Rates and terms determined by applicant credit rating.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.49%–14.49% | None | Standard variable purchase APR determined by applicant credit rating. Rate is Prime + 3.49% or Prime + 7.49%. |
| Ongoing | 17.49% | None | Cash advance fee: 2% of advance amount ($1 min, $5 max). |
| Intro, 12 months | 7.50% | None | Introductory rate offer: 7.50% APR applies to purchases made during the first 12 billing cycles from account opening date. After the introductory period ends, standard variable APR applies based on creditworthiness. Valid on new IAACU-branded consumer credit cards only. Offer valid 7/15/2026-12/31/2026. |
| Intro, 12 months | 5.99% | None | Promotional balance transfer offer: 5.99% APR for 12 months with no fee. 12 months from transaction date to pay off transferred balance under lower APR; returns to standard qualifying APR on the 13th month cycle date. |
Sources (3)
- iaacu.org/about-us/rates
- iaacu.org/loans/iaacu-credit-cards
- iaacu.org/loans/iaacu-credit-cards/visa-balance-transfer
All captured Oct 16, 2026
IFB VISA
A percentage of each purchase supports Ag in the Classroom via the IAA Foundation. No annual fee, no minimum finance charge, and a 25-day grace period for all purchases. Secured VISA option available, linked to a qualifying share account. Rates and terms determined by applicant credit rating.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.49%–14.49% | None | Standard variable purchase APR determined by applicant credit rating. Rate is Prime + 3.49% or Prime + 7.49%. |
| Ongoing | 17.49% | None | Cash advance fee: 2% of advance amount ($1 min, $5 max). |
| Intro, 12 months | 7.50% | None | Introductory rate offer: 7.50% APR applies to purchases made during the first 12 billing cycles from account opening date. After the introductory period ends, standard variable APR applies based on creditworthiness. Valid on new IAACU-branded consumer credit cards only. Offer valid 7/15/2026-12/31/2026. |
| Intro, 12 months | 5.99% | None | Promotional balance transfer offer: 5.99% APR for 12 months with no fee. 12 months from transaction date to pay off transferred balance under lower APR; returns to standard qualifying APR on the 13th month cycle date. |
Sources (3)
- iaacu.org/about-us/rates
- iaacu.org/loans/iaacu-credit-cards
- iaacu.org/loans/iaacu-credit-cards/visa-balance-transfer
All captured Oct 16, 2026
Platinum VISA
No annual fee, no minimum finance charge, and a 25-day grace period for all purchases. Secured VISA option available, linked to a qualifying share account. Rates and terms determined by applicant credit rating.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.49%–14.49% | None | Standard variable purchase APR determined by applicant credit rating. Rate is Prime + 3.49% or Prime + 7.49%. |
| Ongoing | 17.49% | None | Cash advance fee: 2% of advance amount ($1 min, $5 max). |
| Intro, 12 months | 7.50% | None | Introductory rate offer: 7.50% APR applies to purchases made during the first 12 billing cycles from account opening date. After the introductory period ends, standard variable APR applies based on creditworthiness. Valid on new IAACU-branded consumer credit cards only. Offer valid 7/15/2026-12/31/2026. |
| Intro, 12 months | 5.99% | None | Promotional balance transfer offer: 5.99% APR for 12 months with no fee. 12 months from transaction date to pay off transferred balance under lower APR; returns to standard qualifying APR on the 13th month cycle date. |
Sources (3)
- iaacu.org/about-us/rates
- iaacu.org/loans/iaacu-credit-cards
- iaacu.org/loans/iaacu-credit-cards/visa-balance-transfer
All captured Oct 16, 2026
Rewards VISA
Earn rewards points on every purchase. No annual fee, no minimum finance charge, and a 25-day grace period for all purchases. Secured VISA option available, linked to a qualifying share account. Rates and terms determined by applicant credit rating.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.49%–19.49% | None | Standard variable purchase APR determined by applicant credit rating. Rate is Prime + 10.49% or Prime + 12.49%. |
| Ongoing | 19.49% | None | Cash advance fee: 3% of advance amount ($5 min, $10 max). |
| Intro, 12 months | 5.99% | None | Promotional balance transfer offer: 5.99% APR for 12 months with no fee. 12 months from transaction date to pay off transferred balance under lower APR; returns to standard qualifying APR on the 13th month cycle date. |
Sources (3)
- iaacu.org/about-us/rates
- iaacu.org/loans/iaacu-credit-cards
- iaacu.org/loans/iaacu-credit-cards/visa-balance-transfer
All captured Oct 16, 2026
Who can join IAA Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Illinois Farm of Companies including Illinois Farm Bureau, COUNTRY Financial, GROWMARK, and Prairie Farms are eligible for membership.
- Illinois Farm Bureau County Members are eligible for membership.
- COUNTRY Financial Policyholders are eligible for membership.
- GROWMARK Patrons are eligible for membership.
- Retirees from any of the qualifying groups are eligible for membership.
Family and household
- Relatives of current members are eligible for membership.
Membership information collected October 5, 2026.