Credit Cards · Decatur, Illinois

Best Credit Union Credit Card Rates in Decatur, Illinois

3 credit unions in Decatur report credit card APRs to the NCUA. Rates range from 9.90% to 14.90%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.90%

Lowest Card APR

12.93%

City Average APR

Credit Card APRs — Decatur, Illinois

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	STALEY ★ 4.1 · 35 reviews	9.90%	12.90%
2	UNITED EQUITY ★ 3.4 · 17 reviews	14.00%	12.50%
3	LAND OF LINCOLN ★ 3.3 · 55 reviews	14.90%	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 Decatur 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 Decatur credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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