The tnConnect Credit Union is a personal credit card from tnConnect Credit Union. The annual fee is No annual fee, cash advance fee, or balance transfer fee. The ongoing APR is as low as 11.00% APR; your APR will vary with the market based on the Prime Rate. Rewards: Earn 1 point for every $1 spent; points can be redeemed for merchandise, travel, gift cards, or cash deposited into a tnConnect checking account.