The UL Federal Credit Union is a personal credit card from UL Federal Credit Union. The annual fee is No annual fees. The ongoing APR is As low as 9.95% APR (rates effective as of October 1, 2026). Rewards: Earn one reward point for every dollar spent on purchases; redeem for brand-name merchandise and travel at www.curewards.com. Typical credit limit: Credit lines from $400 to $15,000.