The Consumers Credit Union is a personal credit card from Consumers Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 14.99% to 25.99% variable (disclosure effective 10/1/2026) after a 0.00% introductory APR on purchases and balance transfers for 365 days from account opening introductory rate for 12 months. Approval typically requires a credit score of at least 630 or higher. Rewards: No rewards. Typical credit limit: Up to $25,000. This product reports activity to your personal credit report. No foreign transaction fees for purchases made outside the U.S. Accessible via free Consumers Cooperative Association membership.