Visa® Credit Card — Direct Federal Credit Union is a personal credit card from Direct Federal Credit Union. The annual fee is No annual fee. The ongoing APR is As low as 12.74% APR for purchases; maximum rate is 18% after a 0.00% APR on balance transfers for the first 6 months from account opening (then Prime Rate + 1.74% on the transferred balance) introductory rate for 6 months. Rewards: 1% Cash Back on all your purchases.