Credit union · NCUA insured
IC Credit Union Credit Card Rates
IC Credit Union doesn’t publish an ongoing APR for its credit cards, only a 12-month introductory rate. Rates checked October 15, 2026.
How IC Credit Union’s credit card rates compare
Compared with banks and credit unions near Worcester, MA, where IC Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
IC Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
Worcester Fire Dept Credit Union
9.90%APR
- Up to
- —
2nd-lowest rate
Dean Bank
9.99%APR
- Up to
- 17.99% 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.
IC Visa Platinum
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 1.99% | None | Introductory Annual Percentage Rate (APR) of 1.99% effective 10/1/26 applies to balance transfers for the first 12 months from the date of the transfer. After the introductory period ends, the APR will revert to the card's standard variable rate, based on creditworthiness. A balance transfer fee applies and is equal to $10 or 3% of the amount transferred, whichever is greater. Existing IC Credit Union loans may not be eligible. |
No ongoing APR is published for this card, only the rate above.
Who can join IC 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This may be incomplete or out of date, so check with the credit union before you apply.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 participate in local associations in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk Counties in Massachusetts are eligible for membership.
- Entities or individuals who maintain a local facility in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk Counties in Massachusetts are eligible for membership.
- Individuals who live, work, worship, or attend school in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk Counties in Massachusetts are eligible for membership.
- Local incorporated or unincorporated organizations located in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk Counties in Massachusetts are eligible for membership.
- Individuals who participate in programs to alleviate local poverty or distress in Worcester, Middlesex, Franklin, Hampden, Hampshire, or Norfolk Counties in Massachusetts are eligible for membership.
Employers and groups
- Employees of the Credit Union are eligible for membership.
3 more ways to join
Family and household
- Immediate family members of Credit Union employees are eligible for membership.
- Spouses of deceased Credit Union Members are eligible for membership.
Other ways
- Organizations of Credit Union Members are eligible for membership.
Cost to join
- An initial deposit of $5.00 is required to join.
Membership information collected October 5, 2026.