Credit Cards · Quincy, Illinois

Best Credit Union Credit Card Rates in Quincy, Illinois

3 credit unions in Quincy report credit card APRs to the NCUA. Rates range from 9.65% to 12.50%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.65%

Lowest Card APR

10.68%

City Average APR

Credit Card APRs — Quincy, Illinois

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	MEMBERS "FIRST" COMMUNITY ★ 4.3 · 19 reviews	9.65%	12.80%
2	QUINCY POSTAL EMPLOYEES	9.90%	9.95%
3	UNITED COMMUNITY ★ 4.1 · 30 reviews	12.50%	22.00%

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

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