The Ouachita Valley Federal Credit Union is a personal credit card from Ouachita Valley Federal Credit Union. The annual fee is No annual fee. The ongoing APR is 8.99%, 9.99%, 11.99%, 14.99%, 16.99% or 17.99%, based on your creditworthiness. after a 5.99% Introductory APR for a period of six billing cycles (purchases and balance transfers) introductory rate.