The Tennessee Members 1st Federal Credit Union is a business credit card from Tennessee Members 1st Federal Credit Union. Application typically pulls a credit report from TransUnion. The annual fee is No annual fee. The ongoing APR is After that, 16.49% to 25.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. after a 0% introductory APR for the first 18 billing cycles introductory rate. Rewards: 5% cash back on prepaid travel booked directly in the Travel Center; $50 annual statement credit when you spend $5,000 in the Travel Center; cell phone protection up to $600.