The Freedom First Credit Union is a personal credit card from Freedom First Credit Union. Application typically pulls a hard report from Equifax. The annual fee is $0 Annual Fee or Application Fee. The ongoing APR is Purchases 12.24% to 18.00%; balance transfers 12.24% to 18.00% after the intro APR; cash advances 14.99% to 18.00%; varies with the market based on the Prime Rate (disclosure accurate as of 10/12/2026).