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 No annual fee. The ongoing APR is 17.99% to 28.24% variable, based on the Prime Rate (route page checked 2026-10-14) after a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles introductory rate for 12 months. Signup bonus: $150 bonus when you spend $500 within the first 90 days. Rewards: 5% cash back in two categories of your choice on the first $2,000 in combined purchases each quarter; 2% unlimited cash back on one everyday category of your choice; 1% unlimited cash back on all other eligible purchases. This product reports activity to your personal credit report.