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  1st Financial Federal Credit Union Visa Blue Secure Card

1st Financial Federal Credit Union Visa Blue Secure Card

in Personal Credit Cards from 1st Financial Federal Credit Union

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1st Financial Federal Credit Union Visa Blue Secure Card

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in Personal Credit Cards from 1st Financial Federal Credit Union

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Highlights
Highlights
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 850
Annual Fee $0
Purchase APR  (Variable APR) 18%

1st Financial Federal Credit Union Visa Blue Secure Card Review

1st Financial Federal Credit Union Visa Blue Secure Card is a credit card issued by 1st Financial Federal Credit Union. If you're wondering whether 1st Financial Federal Credit Union Visa Blue Secure Card is the right card for you, read on. This is everything you need to know to make a good choice.

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 18%
  • No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Poor credit. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
The Good The Bad
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • 1st Financial Federal Credit Union Visa Blue Secure Card reports to multiple credit bureaus.
  • Offers auto rental collision damage waiver.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.

Is there a 1st Financial Federal Credit Union Visa Blue Secure Card cash back or rewards program?

No, 1st Financial Federal Credit Union Visa Blue Secure Card does not offer a rewards program.

What are the 1st Financial Federal Credit Union Visa Blue Secure Card benefits?

1st Financial Federal Credit Union Visa Blue Secure Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for 1st Financial Federal Credit Union Visa Blue Secure Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. 1st Financial Federal Credit Union Visa Blue Secure Card has higher than average purchase APRs.

1st Financial Federal Credit Union Visa Blue Secure Card has a variable purchase APR of 18%. Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does 1st Financial Federal Credit Union Visa Blue Secure Card have an introductory APR offer on balance transfers??

No, 1st Financial Federal Credit Union Visa Blue Secure Card does not come with an introductory APR offer for balance transfers.

Does 1st Financial Federal Credit Union Visa Blue Secure Card have an introductory APR offer on new purchases??

1st Financial Federal Credit Union Visa Blue Secure Card does not offer an introductory rate on new purchases.

What are the 1st Financial Federal Credit Union Visa Blue Secure Card fees?

The following fees apply to 1st Financial Federal Credit Union Visa Blue Secure Card:

1st Financial Federal Credit Union Visa Blue Secure Card Fees
Fees Amount
Annual Fee up to $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $27
Late Payment Fee up to $18

Does 1st Financial Federal Credit Union Visa Blue Secure Card have a foreign transaction fee?

1st Financial Federal Credit Union Visa Blue Secure Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does 1st Financial Federal Credit Union Visa Blue Secure Card report your account activity to credit bureaus?

1st Financial Federal Credit Union Visa Blue Secure Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for 1st Financial Federal Credit Union Visa Blue Secure Card

  • Visit the 1st Financial Federal Credit Union Visa Blue Secure Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 12:00pm

About 1st Financial Federal Credit Union Visa Blue Secure Card

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View all personal credit cards offered by 1st Financial Federal Credit Union

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee  
Annual Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 2%
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $27
Late Fee Amount Up to $18
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 850
Card Type
  • Bad Credit
  • Balance Transfer
  • Low Interest
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 18%

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1st Financial Federal Credit Union Personal Credit Cards

Product

Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

1st Financial Federal Credit Union Visa Signature Rewards Card
Balance Transfer APR 15.24% - 18%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 12.24% - 18%
(Variable APR)
    0% 36% Variable APR
1st Financial Federal Credit Union Visa Premier Rate Card
Balance Transfer APR 13.24% - 18%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 10.24% - 18%
(Variable APR)
    0% 36% Variable APR
1st Financial Federal Credit Union Visa Blue Forward Card
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 300 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 15.24% Variable APR