The Appalachian Community Federal Credit Union is a personal credit card from Appalachian Community Federal Credit Union. The annual fee is No Annual Fee. The ongoing APR is As low as 9.80% (Visa Platinum Credit Card, Open-End (Revolving); Rates effective as of 10/18/2026). Rewards: EARN 1 point for every dollar spent (1 point for every two dollars when you use your ACFCU Visa® debit card).