Rate Saver Credit Card — Heritage Community Credit Union is a personal credit card from Heritage Community Credit Union. The annual fee is No Annual Fee: We don't charge service or maintenance fees.. The ongoing APR is After six months, get a rate between 14.24% APR and 36.00% APR based on your credit. after a 4.99% Introductory APR for Purchases: Enjoy a low, fixed rate for the first six months after account opening. introductory rate.