Credit union · NCUA insured
Illinois State Credit Union Credit Card Rates
Top CarrotIllinois State Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Illinois State Credit Union’s credit card rates compare
Compared with banks and credit unions near Bloomington, IL, where Illinois State Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Illinois State Credit Union
9.90%APR
It'sMyCU Platinum Visa Credit Card
Lowest rate
Bloomington Municipal Credit Union
8.90%APR
3rd-lowest rate
U of I Community Credit Union
9.90%APR
Illinois State Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Illinois State 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.
It'sMyCU Platinum Visa Credit Card
Certain qualifications apply. Membership with Illinois State Credit Union is required. Application uses a soft credit inquiry only and will not impact your credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | The interest rate will move to a rate as low as 9.9% 6 months after account is opened. Rate is based on individual credit. |
| Intro, 6 months | 0.00% | None | Promotional Balance Transfer Rates: 0% for 6 months. No balance transfer fees. |
| Intro, 12 months | 5.90% | None | Promotional Balance Transfer Rates: 5.9% for 12 months. No balance transfer fees. |
It'sMyCU Rewards Credit Card
Membership with Illinois State Credit Union is required. Application uses a soft credit inquiry only and will not impact your credit score. Rates, terms, and conditions are subject to change and may vary.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.90% | None | The interest rate will move to 19.9% 6 months after account is opened. Rate is based on individual credit. |
| Intro, 6 months | 0.00% | None | Promotional Balance Transfer Rates: 0% for 6 months. No balance transfer fees. |
| Intro, 12 months | 5.90% | None | Promotional Balance Transfer Rates: 5.9% for 12 months. No balance transfer fees. |
Sources (3)
All captured Oct 7, 2026
Share Secured Credit Card
Automatic approval with no credit check required. Minimum credit limit is $250 and requires matching funds in an account with It'sMyCU.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.90% | None | Standard APR of 16.9% moves in 6 months after account is opened. Rate is based on creditworthiness. |
| Intro, 6 months | 0.00% | None | Promotional balance transfer rate of 0% APR for 6 months. No balance transfer fees. |
| Intro, 12 months | 5.90% | None | Promotional balance transfer rate of 5.9% APR for 12 months. No balance transfer fees. |
Who can join Illinois State Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.