The I AM Federal Credit Union is a personal credit card from I AM Federal Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is Annual Fee: None. The ongoing APR is After that, Signature Real Rewards: 17.99% to 28.24% and Platinum Real Rewards: 17.99% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. after a 0% introductory APR for the first 6 billing cycles introductory rate. Signup bonus: Get 2,500 bonus points (worth up to $25) after your first purchase. Rewards: 1.5X points per $1 spent on all eligible purchases.