Credit Cards · Rock Island, Illinois

Best Credit Union Credit Card Rates in Rock Island, Illinois

2 credit unions in Rock Island report credit card APRs to the NCUA. Rates range from 11.75% to 12.70%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

11.75%

Lowest Card APR

12.23%

City Average APR

Credit Card APRs — Rock Island, Illinois

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	GAS AND ELECTRIC ★ 4.8 · 128 reviews	11.75%	12.90%
2	R.I.A. ★ 3.9 · 7 reviews	12.70%	12.90%

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

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