The Carolina Foothills Federal Credit Union is a personal credit card from Carolina Foothills Federal Credit Union. The annual fee is No Annual Fee. The ongoing APR is Rates as low as 9.90% APR*. Fixed interest rate. after a Introductory Offers: 2.99% APR for the first 12 months, 2.99% APR on your first balance transfer for 12 months. introductory rate for 12 months. Rewards: Earn points on every purchase; redeem for Cash Back (statement credit), Merchandise, Travel, Gift Cards, Donations.