The Advancial Federal Credit Union is a personal credit card from Advancial Federal Credit Union. The annual fee is No annual fee. The ongoing APR is 9.90% (disclosure accurate as of Feb 23, 2026) after a 0% intro APR on purchases for the first 6 months; 5.90% intro APR on qualifying balance transfers requested within 90 days of account opening introductory rate for 6 months. Rewards: 1% on purchases up to $2,500 per statement cycle; 1.5% once $2,500 or more is spent in a cycle. This product reports activity to your personal credit report.