The Velocity Community Credit Union is a personal credit card from Velocity Community Credit Union. The annual fee is No annual fee. The ongoing APR is 15.00% to 18.00% variable (as of 10/06/26) after a 0% introductory APR on balance transfers for 12 months (transfers made within the first 90 days of account opening) introductory rate for 12 months. Signup bonus: 10,000 bonus points after $3,000 in new purchases within 90 days of opening the account. Rewards: 3 reward points per dollar on gas purchases; 2 points per dollar on grocery store purchases; 1.5 points per dollar on everything else.