The Peoples Advantage FCU is a personal credit card from Peoples Advantage FCU. The annual fee is No Annual Fee.. The ongoing APR is Purchases: 9.95% to 15.95% (based on credit approval); Balance Transfers: 9.95% to 15.95% (based on credit approval); Cash Advances: 9.95% to 15.95% (based on credit approval) (accurate as of: 12/01/2021). Loan terms: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.