The Service One Credit Union is a personal credit card from Service One Credit Union. The annual fee is No Annual Fee. The ongoing APR is 11.75% - 19.75% variable APR, based on creditworthiness after a 3.99% Intro APR on all purchases and balance transfers completed within the first 90 days of account opening introductory rate for 12 months. Rewards: CURewards: 1X pts per dollar.