The Community 1st Credit Union is a personal credit card from Community 1st Credit Union. The annual fee is No annual fee. The ongoing APR is Variable, currently 14.49% APR - 24.49% APR depending on your credit history (purchases, after the introductory period) after a 1.99% introductory APR for 12 billing cycles on purchases from date of account opening; 1.99% introductory APR for 12 billing cycles on balance transfers made in the first 60 days of opening introductory rate. Rewards: Earn 3 pts /$1 spent on Gas, 2 pts /$1 spent on Groceries, 1 pt /$1 spent on eligible purchases. You choose the reward! Redeem points for travel, entertainment, gift cards OR cash back. Typical credit limit: Up to $25,000 limit.