The EPIC Federal Credit Union is a personal credit card from EPIC Federal Credit Union. The annual fee is No Annual Fee. The ongoing APR is 17.99% APR (rates accurate as of October 1, 2026). Rewards: EPIC and EPIC Platinum rewards members earn 2% cash back on net purchases; all other rewards members earn 1% cash back on net purchases; deposited to the prime share on the first business day of each month; no limit.