The Orange County's Federal Credit Union is a personal credit card from Orange County's Federal Credit Union. The annual fee is No annual fee. The ongoing APR is 16.74% to 18.00% when you open your account, based on your creditworthiness. After that, the APR will vary with the market based on Prime Rate.. Rewards: 1 point per $1 spent on eligible purchases. Redeem for merchandise, gift cards, cash rewards, travel, adventures, and more. Loan terms: The Minimum Payment Due will be either: (a) 3.00% of my New Balance or $25.00, whichever is greater; or (b) my New Balance, if it is less than $25.00..