Credit union · NCUA insured
Illinois Educators CU Credit Card Rates
Top CarrotIllinois Educators CU credit cards start at 12.90% APR on purchases, after any introductory rate. Rates checked October 17, 2026.
How Illinois Educators CU’s credit card rates compare
Compared with banks and credit unions near Springfield, IL, where Illinois Educators CU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Illinois Educators CU
12.90%APR
Visa Gold
Lowest rate
Cooperative Choice Network Credit Union
9.90%APR
2nd-lowest rate
Morton Community Bank
11.00%APR
Illinois Educators CU credit card score
67
Credit card score
Higher than 20% of U.S. banks and credit unions
- Purchase APRPurchase APR12.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Illinois Educators CU 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.
IECU Cashback Credit Card
Rate based on credit qualifications and approval. Subject to IECU guidelines.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Rate based on credit qualifications and approval. |
Sources (1)
- iecumember.org/visa-credit-cards · captured Oct 17, 2026
Visa Classic
Rates, terms, and conditions vary based on qualifications and collateral and are subject to change without notice. All loans are subject to approval and eligibility and must fall within IECU guidelines.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.90% | None | Minimum payment is 3% of card balance or $15, whichever is greater. Rate based on qualifications and collateral. |
Sources (1)
- iecumember.org/loan-rates · captured Oct 17, 2026
Visa Gold
Rates, terms, and conditions vary based on qualifications and collateral and are subject to change without notice. All loans are subject to approval and eligibility and must fall within IECU guidelines.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Rate based on qualifications and collateral. |
Sources (1)
- iecumember.org/loan-rates · captured Oct 17, 2026
Who can join Illinois Educators CU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Open to individuals employed by Horace Mann Companies, Illinois Education Association (IEA/NEA), or subsidiaries and affiliates of IEA/NEA.
Military, government and schools
- Open to employees, retired employees, current students, and alumni of any school in Sangamon, Menard, Morgan, Cass, Brown, Adams, Pike, Ford, Champaign, and Scott County, Illinois.
Family and household
- Open to immediate family members of current members.
Cost to join
- A minimum deposit of $5.00 is required to establish membership.
Membership information collected October 5, 2026.