The Ohio Valley Community Federal Credit Union is a personal credit card from Ohio Valley Community Federal Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is Annual Membership Fee: None. The ongoing APR is 18.24% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. after a Purchases: 0% introductory APR for the first 12 billing cycles. Balance Transfers: 0% introductory APR for the first 12 billing cycles for balances transferred within 366 days from account opening. introductory rate. Rewards: 3% cash back On all purchases for 12 billing cycles on purchases up to $20,000; 1.5% cash back On all purchases after the introductory period; 5% cash back On prepaid hotel and car reservations booked directly in the Travel Center when you use your card.