The Credit Union ONE is a personal credit card from Credit Union ONE. Application typically pulls a hard report from Equifax. The annual fee is $0 (no annual credit card fee). The ongoing APR is 14.00%, 15.00%, 16.00%, 20.00%, 23.00% or 25.00% when you open your account, based on creditworthiness; varies with the Prime Rate (disclosure accurate as of October 1, 2026).