The Allegan Credit Union is a personal credit card from Allegan Credit Union. The annual fee is No annual fee. The ongoing APR is Rates as low as 9.99% APR after a 0% APR introductory rate on balance transfers for the first 12 months; no balance transfer fees; after 12 months the standard fixed APR for balance transfers ranges from 9.99% APR to as high as 15.99%, based on creditworthiness introductory rate.