The HAPO Community Credit Union is a personal credit card from HAPO Community Credit Union. Application typically pulls a hard report from Equifax. The annual fee is No Annual Fee. The ongoing APR is Prime + 10.00% to Prime + 18.75% APR Platinum Cash Back (variable). Rewards: Earn 2% cash back on ALL purchases; unlimited cash back accrual; cash back deposited on demand ($15 minimum to be eligible for payout, into a HAPO Savings Account). Loan terms: Revolving.