Credit union · NCUA insured
Local 697 FCU Credit Card Rates
Local 697 FCU credit cards start at 13.99% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Local 697 FCU’s credit card rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Local 697 FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Local 697 FCU
13.99%APR
Consumer Value Card
Lowest rate
American Broadcast Employees FCU
6.99%APR
2nd-lowest rate
Chiphone Federal Credit Union
7.90%APR
Local 697 FCU credit card score
63
Credit card score
Higher than 9% of U.S. banks and credit unions
- Purchase APRPurchase APR13.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Local 697 FCU 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.
Consumer Value Card
Embedded with EMV chip; 25-day interest-free grace period on all purchases (plus 5-6 days of additional grace); no grace period on cash advances; APR for purchases and cash advances is the same; no credit limit requirement.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.90% | None | Introductory APR of 2.9% for the first 6 months; no annual fee. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- local697fcu.org/credit-cards · captured Oct 5, 2026
Everything Rewards Card
Embedded with EMV chip; earn 1 point per dollar spent up to 10,000 points per month; 25-day interest-free grace period on all purchases (plus 5-6 days of additional grace); no grace period on cash advances; APR for purchases and cash advances is the same; no credit limit requirement.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.90% | None | Introductory APR of 2.9% for the first 6 months; no annual fee. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- local697fcu.org/credit-cards · captured Oct 5, 2026
Low Rate Card
Designed for shoppers looking for a great low interest rate; no annual fee; low ongoing rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.90% | None | No annual fee; 2.9% Introductory Rate for your first 6 months; low ongoing rate. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- local697fcu.org/creditcard · captured Oct 5, 2026
Preferred Points Card
Designed for shoppers looking for outstanding rewards and no annual fee; earn one point for each dollar spent (up to 10,000 per month) and redeem anytime for cash back, travel, merchandise, gift cards and more.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.90% | None | 2.9% Introductory Rate for your first 6 months; no annual fee. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- local697fcu.org/creditcard · captured Oct 5, 2026
Premier Plus Rewards Card
Embedded with EMV chip; $5,000 credit limit requirement; earn 1 point per dollar spent up to 10,000 points per month; 25-day interest-free grace period on all purchases (plus 5-6 days of additional grace); no grace period on cash advances; APR for purchases and cash advances is the same.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.90% | None | Introductory APR of 2.9% for the first 6 months; no annual fee. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- local697fcu.org/credit-cards · captured Oct 5, 2026
Who can join Local 697 FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to regular and associate members of International Brotherhood of Electrical Workers Local 697.
- Membership is open to employees of the Local 697 Apprenticeship and Training School.
- Membership is open to The Local 697 Pension Fund.
- Membership is open to NECA-IBEW Local 697 Health and Welfare Plan.
- Membership is open to members and employees of the Northern Indiana Chapter of the National Electrical Contractors Association, Inc.
Family and household
- Immediate family of credit union members are eligible to join.
Cost to join
- A $6 minimum deposit is required for a Member Ownership Account upon joining.
Membership information collected October 5, 2026.