The Consumers Credit Union is a personal credit card from Consumers Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 8.99% - 22.99% variable (disclosure dated 10/1/2026) after a 0% introductory APR on balance transfers for the first 13 billing cycles after account opening (balance transferred within the first 60 days); then 12.99% - 22.99% variable introductory rate for 13 months. This product reports activity to your personal credit report.