The Newrizons Federal Credit Union is a personal credit card from Newrizons Federal Credit Union. The annual fee is $25 (currently waived for existing members). The ongoing APR is Purchases, balance transfers and cash advances by tier: Tier 1 12%, Tier 2 13%, Tier 3 15%, Tier 4 18%, Tier 5 18% (*based on your creditworthiness) after a No introductory APR introductory rate. Loan terms: Your due date is at least 25 days after the close of each billing cycle..