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 variable APR of 15.74%-18.00% after a 0% introductory APR for 6 months on purchases and balance transfers at account opening introductory rate for 6 months. 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..