Credit union · NCUA insured
Land of Lincoln Credit Union Credit Card Rates
Land of Lincoln Credit Union credit cards start at 12.25% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Land of Lincoln Credit Union’s credit card rates compare
Compared with banks and credit unions near Decatur, IL, where Land of Lincoln Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Land of Lincoln Credit Union
12.25%APR
- Up to
- —
VISA Platinum Rates Credit Card
Lowest rate
1st MidAmerica Credit Union
8.90%APR
- Up to
- —
2nd-lowest rate
Staley Credit Union
9.90%APR
- Up to
- 16.90% APR
Land of Lincoln Credit Union credit card score
71
Credit card score
Higher than 28% of U.S. banks and credit unions
- Purchase APRPurchase APR12.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Land of Lincoln 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.
VISA Basic Credit Card
Must become a member of Land of Lincoln Credit Union ($5.00 minimum deposit required to open a share/savings account). Rates and terms subject to change and based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.90% | None | Lowest rate advertised; individual rate may vary based on applicant credit, payment history, collateral, term of loan, and percent of product financed. |
Sources (1)
- llcu.org/tools/llcu-rates · captured Oct 6, 2026
VISA Platinum Points Credit Card
Must become a member of Land of Lincoln Credit Union ($5.00 minimum deposit required to open a share/savings account) to be a cardholder. 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.90% | None | Lowest rate advertised; individual rate may vary based on applicant credit, payment history, collateral, term of loan, and percent of product financed. |
One more rate on its site comes from an older rate sheet (2021) and isn’t shown as current.
VISA Platinum Rates Credit Card
Must become a member of Land of Lincoln Credit Union ($5.00 minimum deposit required to open a share/savings account) to be a cardholder. 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.25% | None | Lowest rate advertised; individual rate may vary based on applicant credit, payment history, collateral, term of loan, and percent of product financed. |
One more rate on its site comes from an older rate sheet (2021) and isn’t shown as current.
Who can join Land of Lincoln Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who works or resides in 28 specified Illinois counties.
Employers and groups
- Membership is open to current employees of Land of Lincoln Credit Union's Premier Partners.
Family and household
- Membership is open to immediate family members of a current Land of Lincoln Credit Union member (children, parents, spouses, siblings, grandparents, and grandchildren), regardless of residence.
Other ways
- Membership is open to members, associate members, clergy, pastors, or affiliates of a United Methodist agency or institution within the Illinois Great Rivers Conference or Northern Illinois Conference.
Membership information collected October 5, 2026.