The Credit Human Federal Credit Union is a personal loan from Credit Human Federal Credit Union. The annual fee is no annual fee. The ongoing APR is APR as low as 11.70% on purchases and cash advances*. Rewards: Earn 2% cash back on all purchases. QMoney: $200-$500, no credit check, 60-day repay (requires 30+ days membership). Credit Builder Loan at 5% APR. Autopay discount -0.20%.