M

Credit Cards · Champaign, Illinois

Best Credit Union Credit Card Rates in Champaign, Illinois

2 credit unions in Champaign report credit card APRs to the NCUA. Rates range from 11.53% to 11.75%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

11.53%

Lowest Card APR

11.64%

City Average APR

Credit Card APRs — Champaign, Illinois

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1UNIVERSITY OF ILLINOIS COMMUNITY

★ 4.7 · 824 reviews

11.53%12.47%
2CENTRAL ILLINOIS

★ 4.2 · 28 reviews

11.75%10.80%
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 Champaign 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 Champaign credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

Also Compare in Champaign

Best Car Loan Rates →Best Personal Loan Rates →All of Illinois →

Browse All Credit Unions in Champaign

See member reviews, branch locations, and full rate details.

Credit Unions in Champaign →All of Illinois →