The Katahdin Federal Credit Union is a personal credit card from Katahdin Federal Credit Union. The annual fee is No annual fee. Rewards: Every time you use your gold card, you earn bonus points that can be used for gifts or travel. Typical credit limit: Limits range from $8001.00 -- $20,000.00. Loan terms: Low monthly payments (2% of the outstanding balance or $15.00, whichever is greater).