The Memphis City Employees Credit Union is a personal credit card from Memphis City Employees Credit Union. The annual fee is No annual fee. The ongoing APR is 7.90% - 16.90% determined by credit worthiness; rates effective August 1, 2026. Rewards: Earn 1 point for every dollar spent (CU Rewards); redeem for cash back, statement credit, gift cards, travel, merchandise; points expire after 60 months.