The Champions First Credit Union is a personal credit card from Champions First Credit Union. The ongoing APR is 12.95% to 18.00% for purchases, balance transfers and cash advances, based on your creditworthiness (accurate as of June 01, 2025). Loan terms: Your due date is at least 25 days after the close of each billing cycle; no interest on purchases if you pay your entire balance by the due date each month.