The AOD Federal Credit Union is a personal credit card from AOD Federal Credit Union. Application typically pulls a hard report from Equifax. The annual fee is No annual fee. The ongoing APR is As Low As 8.49% APR. Signup bonus: $50 bonus will be deposited into members account within the 1st day of the following month after credit card approval.. Rewards: 1% CashBack on purchases, paid monthly as a statement credit; additional 1% CashBack on gas and restaurant transactions. Cash back: 1% CashBack on ALL Purchases Additional 1% CashBack Gas & Restaurants. Typical credit limit: Credit line starting at $300. This product reports activity to your personal credit report.