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 $390. The ongoing APR is 19.24% to 28.24% variable, based on the Prime Rate (route page checked 2026-10-14). Signup bonus: 50,000 bonus points when you spend $4,500 within the first 90 days. Rewards: 6X points on prepaid travel booked directly in the Travel Center when you use your card; 2X points on all other eligible purchases. This product reports activity to your personal credit report.