The TAPCO Credit Union is a personal credit card from TAPCO Credit Union. The annual fee is No annual fee. The ongoing APR is Your APR will be 14.49 % to 17.95 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate (Prime plus a margin of 7.74% - 10.45% for Rewards).. Rewards: Earn 1 point for every dollar on every purchase; Earn Bonus Points at online retailers & local businesses; redeem for merchandise, gift cards, cash back, statement credit, travel, or a donation to a charity.