Credit union · Privately insured
IH Credit Union Credit Card Rates
IH Credit Union credit cards start at 12.49% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How IH Credit Union’s credit card rates compare
Compared with banks and credit unions near Springfield, OH, where IH Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
IH Credit Union
12.49%APR
- Up to
- —
IH Classic Visa Credit Card
Lowest rate
Wright-Patt Credit Union
9.75%APR
- Up to
- 17.75% APR
2nd-lowest rate
Pathways Financial Credit Union
9.96%APR
- Up to
- —
IH Credit Union credit card score
70
Credit card score
Higher than 27% of U.S. banks and credit unions
- Purchase APRPurchase APR12.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where IH 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.
IH Classic Visa Credit Card
Rates are based on the WSJ prime rate and are subject to change on the first day of the billing cycle quarterly in January, April, July & October. Actual rate and payment amount will reflect a member's individual circumstance and credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.49% | None | Rates as low as 12.49% APR. |
IH Rewards Visa Credit Card
Rates are based on the WSJ prime rate and are subject to change on the first day of the billing cycle quarterly in January, April, July & October. Actual rate and payment amount will reflect a member's individual circumstance and credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.49% | None | Rates as low as 14.49% APR. |
Secured Credit Card
Rates are based on the WSJ prime rate and are subject to change on the first day of the billing cycle quarterly in January, April, July & October.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.49% | None | Rate as low as 12.49% APR. |
Sources (1)
- ihcreditunion.com/ih-rewards-card · captured Oct 6, 2026
Who can join IH Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Clark, Champaign, Greene, Logan, Madison, Miami, Montgomery, or Union County, Ohio qualifies for membership.
Employers and groups
- Residents of Ohio, Michigan, or West Virginia who do not qualify through the eight Ohio counties can qualify for membership by joining the American Consumer Council (ACC).
Membership information collected October 5, 2026.