The SchoolsFirst Federal Credit Union is a personal credit card from SchoolsFirst Federal Credit Union. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 10.25% to 17.90% variable when you open your account, based on creditworthiness after a No introductory APR introductory rate. Rewards: 1.5% cash back deposited into a Summer Saver account.