Credit union · NCUA insured
ISPFCU Credit Card Rates
ISPFCU credit cards start at 11.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How ISPFCU’s credit card rates compare
Compared with banks and credit unions near Springfield, IL, where ISPFCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
ISPFCU
11.90%APR
VISA Platinum Elite
Lowest rate
Cooperative Choice Network Credit Union
9.90%APR
2nd-lowest rate
Morton Community Bank
11.00%APR
ISPFCU credit card score
73
Credit card score
Higher than 34% of U.S. banks and credit unions
- Purchase APRPurchase APR11.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ISPFCU 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.
VISA Platinum Elite
All approved applicants must maintain an ISPFCU primary share account with a required minimum balance of $5.00. Rate is variable based on Wall Street Prime plus 4.90% margin. Maximum APR is 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | Variable revolving rate calculated as Wall Street Prime plus 4.90%. |
VISA Platinum Elite with Cash Rewards
All approved applicants must maintain an ISPFCU primary share account with a required minimum balance of $5.00. Rate is variable based on Wall Street Prime plus 5.90% margin for purchases. Maximum APR is 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Variable revolving rate calculated as Wall Street Prime plus 5.90% for purchases. |
VISA Platinum Premium
All approved applicants must maintain an ISPFCU primary share account with a required minimum balance of $5.00. Rate is variable based on Wall Street Prime plus 6.90% margin for purchases. Maximum APR is 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90% | None | Variable revolving rate calculated as Wall Street Prime plus 6.90% for purchases. |
VISA Platinum Premium with Cash Rewards
All approved applicants must maintain an ISPFCU primary share account with a required minimum balance of $5.00. Rate is variable based on Wall Street Prime plus 7.90% margin for purchases. Maximum APR is 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.90% | None | Variable revolving rate calculated as Wall Street Prime plus 7.90% for purchases. |
VISA Platinum Standard
All approved applicant(s) must maintain an ISPFCU primary share account with a required minimum balance of $5.00. Fixed APR of 18.00%. Maximum APR is 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Fixed APR for purchases. |
One more rate on its site comes from an older rate sheet (2019) and isn’t shown as current.
Who can join ISPFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the credit union are eligible for membership.
Military, government and schools
- Employees who regularly work in the state and local government industry in the state of Illinois are eligible for membership.
- Retired individuals from the state and local government industry in the state of Illinois are eligible for membership.
Family and household
- Spouses of eligible deceased persons are eligible for membership.
- Members of immediate families of any of the approved eligible groups are eligible for membership.
Membership information collected October 5, 2026.