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Credit Cards · Springfield, Illinois

Best Credit Union Credit Card Rates in Springfield, Illinois

5 credit unions in Springfield report credit card APRs to the NCUA. Rates range from 9.99% to 12.65%.

Updated Q1 2026 · NCUA Call Report data

5

CUs Reporting Rates

9.99%

Lowest Card APR

10.95%

City Average APR

Credit Card APRs — Springfield, Illinois

5 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1FINANCIAL PARTNERS

★ 5.0 · 2 reviews

9.99%11.00%
2SPRINGFIELD CITY EMPLOYEES10.00%14.75%
3FUNERAL SERVICE10.11%13.66%
4ILLINOIS EDUCATORS

★ 4.3 · 43 reviews

12.00%11.94%
5ILLINOIS STATE POLICE

★ 3.0 · 23 reviews

12.65%12.64%
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 Springfield 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 Springfield credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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Browse All Credit Unions in Springfield

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