The Sharon & Crescent United Credit Union is a personal credit card from Sharon & Crescent United Credit Union. The annual fee is $0. The ongoing APR is 17.74% to 17.99% variable after the introductory period, depending on creditworthiness (disclosure effective October 1, 2026) after a 0.00% introductory APR on purchases and balance transfers for the first 12 billing cycles; 0.00% on cash advances for 12 months introductory rate. Rewards: 5X points on utilities, 4X on dining, 3X on travel and gas, 2X on entertainment; points redeem for cash back, gift cards, merchandise, travel, experiences and charitable donations.