The Leaders Credit Union is a personal credit card from Leaders Credit Union. The annual fee is No annual fee. The ongoing APR is variable interest rates will be determined by creditworthiness and is indexed to WSJ Prime Rate plus 14.90%-20.90% (as of Oct. 1, 2022) after a 0% Intro APR for 6 months introductory rate for 6 months. Rewards: Earn unlimited 3% cash back on all purchases for 12 months with direct deposit, unlimited 2% cash back after intro period.