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 16.49% to 27.49% variable (disclosure accurate as of 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. Rewards: unlimited 2x points on everyday Local Commuting, Live Entertainment & Streaming Services, Fitness & Leisure, and even Cell Phone Services, plus unlimited 1x points on all other purchases. This product reports activity to your personal credit report.