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 6 billing cycles introductory rate for 6 months. Signup bonus: 2,500 bonus points after your first purchase (not awarded for balance transfers or cash advances). Rewards: 1.5 points per $1 spent on all eligible purchases (equal to 1.5% cash back). This product reports activity to your personal credit report.