The Traverse Catholic Federal Credit Union is a business credit card from Traverse Catholic Federal Credit Union. The annual fee is no annual fee. The ongoing APR is as low as 9.65% APR after a 0% introductory APR introductory rate for 6 months. Rewards: Enjoy a great rewards program with your TCFCU VISA. Points can be redeemed for travel or merchandise.. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).