The Central Willamette Credit Union is a personal credit card from Central Willamette Credit Union. The annual fee is No annual fee. The ongoing APR is 14.49% - 23.00% (APR for Purchases; varies with the Prime Rate) after a 1.99% (balance transfers) introductory rate. Rewards: Earn 1.5 points for every $1 spent and redeem for travel, cash, merchandise, and more.