The AdelFi Credit Union is a personal credit card from AdelFi Credit Union. The annual fee is $0. The ongoing APR is 14.49% to 28.49% variable, based on creditworthiness (rates effective September 23, 2026) after a 0% intro APR on purchases and balance transfers for 12 billing cycles (balance transfers within the first 60 days; rates effective September 23, 2026) introductory rate for 12 months. Signup bonus: Up to 20,000 bonus CURewards points (a $200 value) when approved: 10,000 on approval and up to 10,000 more with double points on purchases for the first six months. Rewards: 1 CURewards point per $1 spent; 2 CURewards points per $1 donated to IM, churches and ministries; points redeemable for cash back, free airfare, merchandise and more. Cash back: 1.5% Cash Back. Loan terms: Revolving personal credit card; due date at least 25 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date; minimum interest charge $1.00; average daily balance method. This product reports activity to your personal credit report.