The Alltru Credit Union is a personal credit card from Alltru Credit Union. The annual fee is No annual fees. The ongoing APR is Variable rate / as low as 11.49% APR (rates effective 1/1/26) after a 4.99% intro APR for 12 months on new credit cards and for new credit card balance transfers only; after 12 months the APR will be a variable rate based on the Prime Rate (rates effective 1/1/26) introductory rate.