Credit union · NCUA insured
U of I Community Credit Union Credit Card Rates
Top CarrotU of I Community Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How U of I Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Champaign, IL, where U of I Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
U of I Community Credit Union
9.90%APR
Visa Platinum
2nd-lowest rate
Morton Community Bank
11.00%APR
3rd-lowest rate
Central Illinois Credit Union
11.75%APR
U of I Community 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 U of I Community 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.
Signature Cashback
Minimum credit limit is $5,000. All loans subject to credit approval; APR varies based on individual credit history, loan term, and applicable discounts.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.00% | None | Standard purchase rate; variable rate adjusting with the Prime Rate based on creditworthiness. |
| Intro, 12 months | 0.00% | None | Introductory 0% APR on balance transfers for the first 12 months for cards opened or upgraded after 7-1-23. Subject to a 3% balance transfer fee. |
Sources (3)
- uoficreditunion.org/resources/disclosures
- uoficreditunion.org/credit/credit-cards
- uoficreditunion.org/signature-cashback
All captured Oct 6, 2026
Student Visa
Designed for full-time college students. Features a fixed credit limit of $1,000. All loans subject to credit approval; APR varies based on individual credit history.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.50% | None | Standard APR starting rate. |
Sources (2)
All captured Oct 6, 2026
Visa Platinum
Fixed interest rate. All loans subject to credit approval; APR varies based on individual credit history, loan term, and applicable discounts.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Standard fixed rate based on creditworthiness. |
| Intro, 12 months | 0.00% | None | Fixed promotional APR of 0% on balance transfers for the first 12 months after the later of the card open or upgrade date. Subject to a 3% balance transfer fee. |
Sources (3)
- uoficreditunion.org/resources/disclosures
- uoficreditunion.org/consumer-d…atinum-guide-to-benefits
- uoficreditunion.org/credit/credit-cards
All captured Oct 6, 2026
Visa Rewards
All loans subject to credit approval; APR varies based on individual credit history, loan term, and applicable discounts.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.00% | None | Standard purchase rate; variable rate adjusting with the Prime Rate based on creditworthiness. |
| Intro, 12 months | 0.00% | None | Introductory 0% APR on balance transfers for the first 12 months for cards opened or upgraded after 5-1-2025. Subject to a 3% balance transfer fee. |
Sources (3)
- uoficreditunion.org/resources/disclosures
- uoficreditunion.org/credit
- uoficreditunion.org/credit/credit-cards
All captured Oct 6, 2026
Who can join U of I Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals can join based on their home address.
Employers and groups
- Individuals can join through their employer.
Family and household
- Individuals can join through another member.
Other ways
- Individuals can join through The Community Impact Fund.
Cost to join
- Join for just $1.
Membership information collected October 5, 2026.