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Credit Cards · Naperville, Illinois

Best Credit Union Credit Card Rates in Naperville, Illinois

2 credit unions in Naperville report credit card APRs to the NCUA. Rates range from 15.00% to 17.50%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

15.00%

Lowest Card APR

16.25%

City Average APR

Credit Card APRs — Naperville, Illinois

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1SERVICES

★ 1.0 · 2 reviews

15.00%—
2DUPAGE

★ 3.6 · 60 reviews

17.50%11.24%
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 Naperville 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 Naperville credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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