The TruService Community Federal Credit Union is a personal credit card from TruService Community Federal Credit Union. The annual fee is No annual fee. The ongoing APR is 9.00 - 18.00% APR (rates effective as of 09/25/2026). Rewards: Points on purchases through the TruService Rewards program, redeemable for cash, gift certificates, rebates, and travel; points expire after 36 months.