The MPS Credit Union is a personal credit card from MPS Credit Union. The annual fee is No annual fees. The ongoing APR is 12.90% Thereafter after a 4.90% Introductory APR for 6 months introductory rate for 6 months. Rewards: Earn one point per $1 qualified purchase. Loan terms: Your due date is at least 25 days after the close of each billing cycle..