The OMNI Community Credit Union is a personal credit card from OMNI Community Credit Union. The annual fee is No annual fee. The ongoing APR is 10.99% to 19.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (terms dated August 28, 2026) after a For a limited time, get a 0% APR* on purchases for 9 months when you open a Platinum Mastercard® introductory rate.