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Credit Cards · Bloomington, Illinois

Best Credit Union Credit Card Rates in Bloomington, Illinois

4 credit unions in Bloomington report credit card APRs to the NCUA. Rates range from 9.90% to 10.84%.

Updated Q1 2026 · NCUA Call Report data

4

CUs Reporting Rates

9.90%

Lowest Card APR

10.21%

City Average APR

Credit Card APRs — Bloomington, Illinois

4 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1BLOOMINGTON POSTAL EMPLOYEES

★ 2.8 · 43 reviews

9.90%12.00%
2THE CREDIT UNION FOR ALL

★ 3.9 · 48 reviews

9.99%12.89%
3IAA

★ 4.3 · 41 reviews

10.10%11.99%
4BLOOMINGTON MUNICIPAL

★ 4.8 · 5 reviews

10.84%9.29%
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 Bloomington 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 Bloomington credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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