The Cross Valley Federal Credit Union is a personal credit card from Cross Valley Federal Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is $0 introductory annual fee for the first 12 months. After that, $99. The ongoing APR is 19.24% to 28.24% variable, based on the Prime Rate (route page checked 2026-10-14). Signup bonus: 25,000 bonus points when you spend $2,000 within the first 120 days. Rewards: 4X points on eligible travel, gas stations and EV charging stations (excluding discount stores/supercenters and wholesale clubs), entertainment, and recreation purchases; 1.5X points on all other eligible purchases. This product reports activity to your personal credit report.