The Straits Area Federal Credit Union is a personal credit card from Straits Area Federal Credit Union. The annual fee is No annual fee. The ongoing APR is 9.990% or 15.990% for purchases, based on your creditworthiness. Rewards: Straits Rewards bonus program: bonus points for each dollar spent, double points at certain locations; redeem for items, Cash Back or Statement Credits. Loan terms: Due date at least 28 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date.