The Pyramid Federal Credit Union is a personal credit card from Pyramid Federal Credit Union. The annual fee is No annual fee. The ongoing APR is 15.49% fixed APR for purchases, balance transfers and cash advances (after the 6-month introductory APR) after a 4.99% introductory APR introductory rate for 6 months. Rewards: 1.5% cash back on all purchases. Loan terms: Minimum payment due 2% or $25.00, whichever is more.