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 7.9% Annual Percentage Rate. Approval typically requires a credit score of Requires at least a 680 Credit Score or higher. Rewards: Scorecard Bonus Points. Loan terms: Minimum monthly repayment will be the greater of 2% of the outstanding loan balance or $15.00.