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: 14.9%; APR for Balance Transfers: 14.9%; APR for Cash Advances: 14.9%; 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: With Peach State Credit Card Rewards, you earn one bonus point for every dollar spent in net retail purchases. Rewards can be redeemed for things like merchandise, travel, and even donations to charities, including the Peach State FCU C.A.R.E.S. Foundation..