The TrailNorth Federal Credit Union is a personal credit card from TrailNorth Federal Credit Union. The annual fee is No annual fee. The ongoing APR is 9.99% to 13.99% APR on purchases; 9.99% or 13.99% based on your creditworthiness (balance transfers and cash advances same). Rewards: Reward points with uChoose Rewards, redeemable for cash, gift cards, travel points, and more.