Compare Bank & Credit Union Rates
Best credit card rates, lowest APRs
Compare ongoing purchase APRs on credit cards from banks and credit unions, with annual fees, conditions and original sources.
Top credit card rates
Showing 1–15 of 89 in Illinois · median 10.00% APR
- 6.99%APRas low as
Terms
Special Balance Transfer Offer: 6.99% APR for the life of the transfer. No balance transfer fees. Restrictions apply.
Credit card score 96 · Carrot Score 88
Rate checked · Credit cards rates on its site
More details - 7.90%APRas low as · up to 16.90%
7.90% APR, up to 16.90%
Terms
No balance transfer fee, no cash advance fee, no secured funds required.
Credit card score 94 · Carrot Score 97
Rate checked · Credit cards rates on its site
More details - 7.90%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Cardholder must maintain an active checking account (8 or more transactions for 30 days) and one of the following: a member for at least five years, a mortgage loan, a home equity loan or an auto loan.
Credit card score 94 · Carrot Score 94
Rate checked · Credit cards rates on its site
More details - 7.99%APRas low as · up to 21.99%
7.99% APR, up to 21.99%
Terms
Rates are based on the member's credit score. No annual fee.
Credit card score 93 · Carrot Score 88
Rate checked · Credit cards rates on its site
More details - 8.75%APRas low as
Terms
Fixed rate. 28-day grace period on purchases. No balance transfer fee. No fee on cash advances.
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 8.80%APRas low as
Terms
FICO credit score 680 and above with NO points; applies to purchases and cash advances
Credit card score 89 · Carrot Score 97
Rate checked · Credit cards rates on its site
More details - 8.80%APRas low as
Terms
Fixed Rate VISA. Subject to credit approval; rate and corresponding APR may be higher than the published rate. Banner states VISA as low as 8.80% APR.
Credit card score 89 · Carrot Score 95
Rate checked · Credit cards rates on its site
More details - 8.90%APRas low as
Terms
ANNUAL PERCENTAGE RATE (APR) for Purchases.
Credit card score 89 · Carrot Score 95
Rate checked · Credit cards rates on its site
More details - 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 98
Rate checked · Credit cards rates on its site
More details - 8.90%APRas low as
Terms
Fixed APR. As low as 8.90%. Subject to credit approval.
Credit card score 89 · Carrot Score 94
Rate checked · Credit cards rates on its site
More details - 8.90%APRas low as
Credit card score 89 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details - 8.90%APRas low as
Terms
Finance charges calculated on Average Daily Balance.
Credit card score 89 · Carrot Score 74
Rate checked · Credit cards rates on its site
More details - 8.90%APRas low as · up to 15.90%
8.90% APR, up to 15.90%
Terms
Standard ongoing APR determined based on creditworthiness.
Credit card score 89 · Carrot Score 84
Rate checked · Credit cards rates on its site
More details - 8.95%APRas low as
Terms
Rates as low as 8.95% APR based on creditworthiness.
Credit card score 89
Rate checked · Credit cards rates on its site
More details - 8.99%APRas low as · up to 11.50%
8.99% APR, up to 11.50%
Credit card score 88 · Carrot Score 89
Rate checked · Credit cards rates on its site
More details
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 Illinois
89 banks and credit unions · checked Nov 6–7
- Typical
- 10.00%
- Top 10% up to
- 8.90%
- Credit unions, typical
- 10.00%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Illinois
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bloomington Municipal Credit UnionCredit union · 1 branch
- Acme Continental Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 7 branches