The VAPR Federal Credit Union is a personal credit card from VAPR Federal Credit Union. The annual fee is No Annual Fee. The ongoing APR is From 6.53% APR to 8.49% APR for the first year. From 8.49% APR to 10.45% APR starting the second year (purchases and services). Typical credit limit: Basic line of credit from three hundred dollars ($300.00) up to a maximum of three thousand dollars ($3,000.00).