Credit Cards · Carbondale, Illinois

Best Credit Union Credit Card Rates in Carbondale, Illinois

2 credit unions in Carbondale report credit card APRs to the NCUA. Rates range from 9.99% to 11.90%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.99%

Lowest Card APR

10.95%

City Average APR

Credit Card APRs — Carbondale, Illinois

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	SIU ★ 4.0 · 94 reviews	9.99%	10.99%
2	CARBONDALE HIGHWAY ★ 4.5 · 2 reviews	11.90%	9.50%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Lower APR Beats Rewards If You Carry a Balance

On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Carbondale could save you significantly more than any rewards program.

Join First, Then Apply

You must be a member to get a credit union credit card. Most Carbondale credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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