Illinois Educators Credit Union credit card terms
Credit union · 1 product surveyed · CFPB TCCP survey, Jul-Dec 2025
Illinois Educators Credit Union reported a surveyed purchase APR of 14.9% (median 14.9%) to the CFPB Terms of Credit Card Plans survey, across 1 product. As a credit union, its cards are capped at an 18% APR by federal law. No annual fee was reported for its surveyed cards. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Illinois Educators Credit Union surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 14.9% |
| Median purchase APR | 14.9% |
| Rate type | fixed |
| Intro / promo APR offered | Not reported |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 14.9% |
| Annual fee | — |
| Late fee (median) | $28 |
| Secured card offered | Not reported |
| Products surveyed | 1 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Illinois Educators Credit Union did not report that field in the survey.
How Illinois Educators Credit Union compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Illinois Educators Credit Union's median of 14.9% sits around or below the 21% national average APR.
Similar issuers (credit union)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Illinois Educators Credit Union (this issuer) | 14.9% | 14.9% | — |
| Down East Credit Union | 11.9% – 17.9% | 14.9% | — |
| Gecu Federal Credit Union | 11.9% – 17.9% | 14.95% | — |
| Statewide Federal Credit Union | 9.95% – 17.95% | 14.95% | — |
| Mirastar Federal Credit Union | 14.99% | 14.99% | — |
| Sun East Federal Credit Union | 12.49% – 18% | 14.99% | — |
| Proponent Federal Credit Union | 11.5% – 18% | 15% | — |
Down East Credit Union · Gecu Federal Credit Union · Statewide Federal Credit Union · Mirastar Federal Credit Union · Sun East Federal Credit Union · Proponent Federal Credit Union
Frequently asked questions
What is Illinois Educators Credit Union's credit card APR?
Illinois Educators Credit Union reported a purchase APR of 14.9% to the CFPB Terms of Credit Card Plans survey (median 14.9%), across 1 surveyed product. Rates are fixed. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Illinois Educators Credit Union charge an annual fee?
Illinois Educators Credit Union did not report an annual fee for its surveyed cards (most general cards from this issuer have no annual fee, though premium cards can). Verify the specific card's terms.
Is Illinois Educators Credit Union a good choice for a low APR?
Illinois Educators Credit Union is a credit union, and federal credit unions are capped at an 18% APR by law - so its rates (14.9%) tend to undercut large banks. The CFPB found small banks and credit unions charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) less than large issuers for the same credit tier.
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Sources & accuracy
Terms reported by Illinois Educators Credit Union (Illinois Educators Credit Union) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29