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 16.74% to 27.74% 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. Signup bonus: $200 Reward. Rewards: Earn unlimited 1.5% cash back on all your everyday purchases. This product reports activity to your personal credit report.