The Andrews Federal Credit Union is a personal credit card from Andrews Federal Credit Union. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 11.49% to 18.00% variable, based on creditworthiness (disclosure effective April 15, 2026) after a 4.99% intro APR on balance transfers for 12 months. introductory rate for 12 months. Rewards: No rewards. This product reports activity to your personal credit report.