The FAIRWINDS Credit Union is a personal credit card from FAIRWINDS Credit Union. Application typically pulls a hard report from Equifax. The annual fee is $0. The ongoing APR is 18.00% APR after the intro APR expires after a 0% intro APR on purchases and balance transfers for the first 12 months after account opening introductory rate for 12 months. Rewards: 1.5% unlimited cash back on all purchases; rewards never expire. This product reports activity to your personal credit report.