The Community First Credit Union is a personal credit card from Community First Credit Union. The annual fee is $0 annual fee. The ongoing APR is VISA Rewards 13.74% to 18.99% (APR, APR for Balance Transfers and Cash Advances); Effective: October 18th, 2026. Rewards: 1 point for every $1 spent, redeemable for cash back, travel ,gift cards, and purchases. Typical credit limit: Up to $50,000 credit limit.