The United Nations Federal Credit Union is a personal credit card from United Nations Federal Credit Union. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.74% variable (rate sheet effective Oct 10, 2026) after a 0.00% APR on purchases and balance transfers introductory rate for 12 months. Signup bonus: 10,000 points after $2,000 in purchases within four months of account opening. Rewards: 3x points on restaurants, online food delivery and groceries; 2x points on streaming services and transit; 1x point per $1 on everything else. Typical credit limit: Up to $50,000; applicants with less than one year of UNFCU membership or UN employment can qualify for up to $10,000. This product reports activity to your personal credit report.