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Credit Cards · Peoria, Illinois

Best Credit Union Credit Card Rates in Peoria, Illinois

3 credit unions in Peoria report credit card APRs to the NCUA. Rates range from 9.90% to 12.25%.

Updated Q1 2026 · NCUA Call Report data

3

CUs Reporting Rates

9.90%

Lowest Card APR

11.38%

City Average APR

Credit Card APRs — Peoria, Illinois

3 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1COOPERATIVE CHOICE NETWORK

★ 4.3 · 49 reviews

9.90%9.64%
2PEORIA CITY EMPLOYEES

★ 4.0 · 2 reviews

12.00%6.00%
3CITIZENS EQUITY FIRST

★ 3.5 · 62 reviews

12.25%9.75%
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 Peoria 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 Peoria credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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