Credit Cards · Chicago, Illinois
13 credit unions in Chicago report credit card APRs to the NCUA. Rates range from 8.90% to 16.25%.
Updated Q1 2026 · NCUA Call Report data
13
CUs Reporting Rates
8.90%
Lowest Card APR
12.66%
City Average APR
13 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | MWRD EMPLOYEES ★ 4.0 · 4 reviews | 8.90% | 10.00% |
| 2 | CHICAGO FIREFIGHTER'S ★ 5.0 · 18 reviews | 9.11% | 8.00% |
| 3 | SELFRELIANCE ★ 4.2 · 168 reviews | 9.90% | 11.50% |
| 4 | MAROON FINANCIAL ★ 4.1 · 62 reviews | 11.91% | 11.25% |
| 5 | PLANITES ★ 2.7 · 13 reviews | 11.98% | 15.24% |
| 6 | VICINITY ★ 2.9 · 78 reviews | 12.27% | 19.00% |
| 7 | CHICAGO AREA OFFICE ★ 5.0 · 4 reviews | 12.40% | 13.05% |
| 8 | CHICAGO POST OFFICE EMPLOYEES ★ 3.1 · 29 reviews | 12.90% | 16.99% |
| 9 | NATIONAL POLICE ★ 4.6 · 541 reviews | 13.40% | 18.00% |
| 10 | FELLOWSHIP BAPTIST CHURCH ★ 4.8 · 406 reviews | 14.88% | 11.98% |
| 11 | ELCA ★ 4.0 · 4 reviews | 14.99% | 7.99% |
| 12 | ALLIANT ★ 4.2 · 1,693 reviews | 15.74% | 11.74% |
| 13 | FIRST NORTHERN ★ 4.6 · 47 reviews | 16.25% | 11.99% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Chicago could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Chicago credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.