Credit Cards · Joliet, Illinois

Best Credit Union Credit Card Rates in Joliet, Illinois

2 credit unions in Joliet report credit card APRs to the NCUA. Rates range from 8.80% to 11.99%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

8.80%

Lowest Card APR

10.40%

City Average APR

Credit Card APRs — Joliet, Illinois

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	NEW CENTURY ★ 4.1 · 37 reviews	8.80%	10.90%
2	JOLIET MUNICIPAL EMPLOYEES ★ 4.0 · 4 reviews	11.99%	11.83%

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

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