The CCU is a personal credit card from CCU. The annual fee is NO annual fee. The ongoing APR is Purchase APR As low as 12.99%; Balance Transfer APR As low as 12.99%; Cash Advance APR As low as 12.99% (effective September 24, 2026); the page also says VISA Platinum Cards range from 12.99-24.99% APR. Rewards: Earn 1% cash back on balance transfers (1% cash back on balance transfers totaling more than $1,000, maximum $500 per calendar year).