The Focus Federal Credit Union is a personal credit card from Focus Federal Credit Union. The annual fee is No annual fees. The ongoing APR is 10.99 % - 17.99 % APR (rate effective as of September 1, 2026). Rewards: You will earn 1 point for every dollar spent. Reward points will expire after 36 months.. Loan terms: The Minimum Payment Due is 2.00% of Your total New Balance, or $30.00, whichever is greater, plus any amount past due. This product reports activity to your personal credit report.