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 fees. The ongoing APR is Prime + 9.50% APR. Signup bonus: $50 bonus will be deposited into members account within the 1st day of the following month after credit card approval.. Rewards: 3% cash back on the first $1,500.00 spent per cycle, 1% on amounts over $1,500.00 (purchases only, paid monthly as statement credit). Cash back: 3% cash back earned on the first $1,500.00 spent per cycle, 1% cash back earned on amounts over $1,500.00. Typical credit limit: Starting at $5,000. This product reports activity to your personal credit report.