The Muskegon Federal Credit Union is a personal credit card from Muskegon Federal Credit Union. The annual fee is No Annual Fee. The ongoing APR is 8.9% or 10.9% Annual Percentage Rate. Approval typically requires a credit score of Requires at least a 600 Credit Score or higher. Loan terms: Minimum monthly repayment will be the greater of 2% of the outstanding loan balance or $15.00.