The St. Joseph’s Federal Credit Union is a personal credit card from St. Joseph’s Federal Credit Union. The annual fee is No Annual Fee. The ongoing APR is 8.75% APR (Last Rate Change Effective: 12/19/2024; individual rates are based on credit scores) after a 3.99% introductory rate. Rewards: Earn points from gas purchases paid at the pump, on supermarket purchases, and from all purchases made with the card during each billing cycle (net purchases; cash advances, checks and balance transfers do not earn rewards). Typical credit limit: Up to $7,000 credit limit.