The Peach State Federal Credit Union is a personal credit card from Peach State Federal Credit Union. The annual fee is No Annual Fee. The ongoing APR is Annual Percentage Rate (APR) for Purchases: 6.9%; APR for Balance Transfers: 6.9%; APR for Cash Advances: 6.9%; Penalty APR: NONE (information accurate as of March 3, 2025) after a The 0% introductory APR applies to purchases, cash advances and balance transfers. Offer applies to new Visa Credit Card accounts only and may expire at any time; does not apply to account upgrades. introductory rate. Rewards: No Rewards.