The BlueOx Credit Union is a personal credit card from BlueOx Credit Union. The annual fee is No annual fee. The ongoing APR is Rates as low as 11.99% APR; all rates are fixed, based on Prime Rate; actual APR based on credit history. Rewards: Earn CURewards points on qualifying purchases; redeem for travel and vacation experiences, hotel stays and rental cars, gift cards, merchandise, electronics, and household items.