The Tennessee Members 1st Federal Credit Union is a personal credit card from Tennessee Members 1st Federal Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is $390. The ongoing APR is 19.24% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate.. Signup bonus: Earn 50,000 bonus points (worth up to $500) when you spend $4,500 within the first 90 days. Rewards: 6X points on prepaid travel booked directly in the Travel Center; 2X points on all other eligible purchases; complimentary Priority Pass Select Membership.