The Local 804 Federal Credit Union is a personal credit card from Local 804 Federal Credit Union. The annual fee is $0. The ongoing APR is 0% to 1.99% after a 0% to 1.99% introductory purchase APR for the first 12 months; 0% APR on balance transfers for 12 months introductory rate for 12 months. Rewards: Choose the Visa ® Platinum with Rewards and earn points for every dollar you spend.. Typical credit limit: $20,000. This product reports activity to your personal credit report.