The Teachers Federal Credit Union is a personal credit card from Teachers Federal Credit Union. The annual fee is No annual fee. The ongoing APR is 14.95% to 18.00% variable, based on creditworthiness (disclosure accurate as of March 2, 2025). Rewards: Earn 1 point for every $1 spent on qualifying purchases; points never expire and are redeemable for merchandise, travel and more through ScoreCard Rewards.