Compare Bank & Credit Union Rates
Best credit card rates in Bloomington, IL
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–9 of 9 in Bloomington, IL · median 10.49% APR
- 8.90%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates effective as of 2026-07-22. Based on credit qualifications; rates may be higher. Advertised rates include 0.25% discount for automatic payment from a BMCU account/payroll deduction and 0.25% discount for having an active checking account with direct deposit. All loans are simple interest. Rates and yields subject to change without notice.
Credit card score 89 · Carrot Score 97
Rate checked · Credit cards rates on its site
Rates and branches - Illinois State Credit UnionIt'sMyCU Platinum Visa Credit Card · No annual fee
Credit union · 1 branch
9.90%APRas low asTerms
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.
Credit card score 84 · Carrot Score 93
Rate checked · Credit cards rates on its site
Rates and branches - 9.90%APRas low as
Terms
Standard fixed rate based on creditworthiness.
Credit card score 84 · Carrot Score 95
Rate checked · Credit cards rates on its site
Rates and branches - 9.99%APRas low as
Terms
Fixed rate starting as low as 9.99% APR.
Credit card score 82 · Carrot Score 88
Rate checked · Credit cards rates on its site
Rates and branches - 10.49%APRas low as · up to 14.49%
10.49% APR, up to 14.49%
Terms
Standard variable purchase APR determined by applicant credit rating. Rate is Prime + 3.49% or Prime + 7.49%.
Credit card score 81 · Carrot Score 87
Rate checked · Credit cards rates on its site
Rates and branches - 11.00%APRas low as
Terms
Variable rate based on Prime Rate + 4.0% margin.
Credit card score 77 · Carrot Score 68
Rate checked · Credit cards rates on its site
Rates and branches - 17.99%APRas low as · up to 27.99%
17.99% APR, up to 27.99%
Terms
Variable APR of 17.99% - 27.99% on all purchases and balance transfers.
Credit card score 60 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 18.49%APRas low as · up to 27.99%
18.49% APR, up to 27.99%
Terms
Variable APR
Credit card score 60 · Carrot Score 60
Rate checked · Credit cards rates on its site
Rates and branches - 26.74%APRas low as
Terms
Standard APR for Purchases varies with the market based on WSJ Prime Rate + margin of 19.74%.
Credit card score 60
Rate checked · Credit cards rates on its site
Rates and branches
Each institution’s lowest ongoing purchase APR on a regular card (not an introductory or balance transfer rate): usually its best-credit rate. A rate that needs another account or similar says “with conditions”; More filters can leave those, or cards with an annual fee, out. Secured, business and credit-builder cards are left out. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What credit cards charge in Bloomington, IL
9 banks and credit unions · checked Oct 16–22
- Typical
- 10.49%
- Top 10% up to
- 9.70%
- Banks, typical
- 18.24%
- Credit unions, typical
- 9.90%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Bloomington, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bloomington Municipal Credit UnionCredit union · 1 branch
- State Farm Federal Credit UnionCredit union · 1 branch
- U of I Community Credit UnionCredit union · 2 branches