The Allegacy Financial Federal Credit Union Good Credit is a personal credit card from Allegacy Financial Federal Credit Union. The annual fee is No annual fee. The ongoing APR is 11.90% to 16.90% variable (maximum 16.90%) after a 0% introductory rate for 18 months. Approval typically requires a credit score of 650 or higher. Rewards: 1% cash back on all purchases. Cash back: 1%. Typical credit limit: up to $25,000. This product reports activity to your personal credit report.