Credit Cards

Replace your high-rate credit cards with a Central Credit Union Of Illinois Visa Platinum, and save on interest, payments and fees. Our cards have great low rates and no annual or balance transfer fees. We offer a Visa Platinum with great rewards, plus we have a card just for teens who are looking to establish credit and a secured option for those looking to build or rebuild credit.

  First-Rate Platinum Visa Platinum Premiere Visa Secured Visa Platinum C3 Visa
Rate 9.90 12.6% APR to 14.7% APR when you open your account based on your creditworthiness   23.00   14.7
Annual Fee None None None None
Participation Fee None None $48 annually None
Balance Transfer Fee None None None None
Credit Card Rewards Program No Yes No No
$0 Liability For Fraudulent Transactions Yes  Yes  Yes  Yes 
Identity Theft Assistance And Reimbursement Insurance  Yes Yes Yes Yes
Online Payments  Yes Yes Yes Yes

The information about the costs of the cards listed above is accurate as of 3/23/23 and is subject to change at any time. To find out what may have changed, call us at (708) 649-6430 or at (800) 750-3660 if outside Chicago area.

Compare our rates to those of your other cards. Chances are, you’re paying higher rates. Transfer your higher-rate balances to your new Visa Platinum, and reduce your monthly payments and interest charges. Best of all, there is no charge to transfer your balances to your credit union Visa Platinum so you’ll start saving right away.

Click here to see how much you might save by transferring your high-rate balances to one of our Visas.

To transfer your balances, click here to print a Balance Transfer Request Form.

With our Platinum Premiere Visa, you’ll earn Premiere Points for every dollar you charge on your card. Points can be redeemed for:

  • .25% discounts on new and used vehicle loans and refinances from other institutions
  • 1.25% rate bonuses on $5,000, 12-month certificates
  • Gift certificates redeemable for free travel and merchandise from more than 100 retailers nationwide

Click here for a list of participating retailers.

A maximum of 25,000 points may be earned annually. Premiere Points do not apply to transferred balances or cash advances. Program rewards subject to change. Program points expire after three years.

Reduce Visa credit card and debit card fraud and monitor your spending anytime, anywhere with Alerts from Central Credit Union powered by Visa. With near real-time Alerts from Central Credit Union powered by Visa, you can receive free updates on your Visa credit and debit card activity. After your Central Credit Union Visa credit or debit card has been used, you'll receive an alert through text message or email. If there is fraudulent activity, you can find out within minutes and act quickly to resolve the situation.

How you use the service is up to you. You can choose to receive alerts when your Visa card is used for purchases over a specified amount, online transactions, purchases outside the United States, and more. You can even customize the purchase amount threshold -- for example, setting it to only receive alerts for purchases above $50.

Select the delivery options that best meet your needs with text messages, emails, or both for extra security and convenience. Each alert contains important information, including the purchase amount, merchant name and location (if available), and the last four digits of the Visa card used to keep you best informed.

All this is free for Central Credit Union Visa credit and debit cardholders. Click here to sign up today.

Actual time to receive Alerts powered by Visa dependent on wireless service and coverage within area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for Alert service may vary by issuer. Additional restrictions apply.

To report a lost or stolen Visa card, please call (800) 472-3272. 

With all of our Visas, you’ll enjoy the following additional services designed to give you the highest level of convenience and protection:

  • $0 liability for fraudulent transactions
  • Identity theft victim assistance and reimbursement insurance
  • $500,000 in free travel accident insurance
  • Repayment through our free online banking or mobile banking
  • Free purchase alerts
  • Online access to account transactions and history
  • Visa checks for purchases or balance transfers
  • Auto rental collision damage coverage
  • Travel and emergency assistance
  • Personal property purchase security
  • Warranty manager services
  • Pay online with free online banking and mobile banking.
  • Make your payments 24 hours a day
  • Click here, and register online using your electronic services PIN
  • Transfer funds from the deposit account of your choice
  • Payment will be made immediately
  • Receive online transaction confirmation

To request a copy of your credit card agreement, please call our Visa Department at (708) 649-6430.

Type of Fee Fee Amount 
Late Payment Fee Up to $25
Over-Limit Fee Up to $25
Returned Check Fee Up to $25
Draft Copy Fee $5
Statement Copy Fee $3
Card Pick-Up Fee $65
Card Replacement Fee $10