360 Federal Credit Union Secured Visa Classic Reviews (Oct. 2020) | Personal Credit Cards

Highlights
Purchase APR (Variable APR)	15.50%
Balance Transfer APR (Variable APR)	N/A
Credit Score Range	N/A
Annual Fee	$0

360 Federal Credit Union Secured Visa Classic Review

360 Federal Credit Union Secured Visa Classic is a credit card issued by 360 Federal Credit Union. If you're wondering whether 360 Federal Credit Union Secured Visa Classic is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways

Competitive APRs. 360 Federal Credit Union Secured Visa Classic has a variable purchase APR of 15.50%
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.

360 Federal Credit Union Secured Visa Classic Pros & Cons

The Good	The Bad
Lower than average purchase APRs. No annual fee. Credit history not required.	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 report to credit bureaus. Does not include many credit card benefits.

360 Federal Credit Union Secured Visa Classic FAQ

Is there a 360 Federal Credit Union Secured Visa Classic cash back or rewards program?

No, 360 Federal Credit Union Secured Visa Classic does not offer a rewards program.

What are the relevant APRs for 360 Federal Credit Union Secured Visa Classic?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. 360 Federal Credit Union Secured Visa Classic has lower than average purchase APRs.

360 Federal Credit Union Secured Visa Classic has a variable purchase APR of 15.50%. It also has a variable cash advance APR starting at 15.50% . 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 360 Federal Credit Union Secured Visa Classic have an introductory APR offer on balance transfers?

No, 360 Federal Credit Union Secured Visa Classic does not come with an introductory APR offer for balance transfers.

Does 360 Federal Credit Union Secured Visa Classic have an introductory APR offer on new purchases?

360 Federal Credit Union Secured Visa Classic does not offer an introductory rate on new purchases.

360 Federal Credit Union Secured Visa Classic Purchase Intro Offer
Description
Introductory Rate	N/A
Purchase Intro APR Period (months)	N/A

What are the fees for 360 Federal Credit Union Secured Visa Classic?

The following fees apply to 360 Federal Credit Union Secured Visa Classic:

An overlimit fee of $20.

360 Federal Credit Union Secured Visa Classic Fees
Fees	Amount
Annual Fee	$0
Overlimit Fee	$20
Foreign Transaction Fee	1%
Returned Payment Fee	$25

Does 360 Federal Credit Union Secured Visa Classic have a foreign transaction fee?

360 Federal Credit Union Secured Visa Classic 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.

How to apply for 360 Federal Credit Union Secured Visa Classic

Visit the 360 Federal Credit Union Secured Visa Classic 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...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters
191 Ella Grasso Turnpike
PO Box 273
Windsor Locks, CT 06096
(800) 544-4728
Visit Site

Hours of Operation

Sunday Closed
Monday 8:00am - 5:00pm
Tuesday 8:00am - 5:00pm
Wednesday 8:00am - 5:00pm
Thursday 8:00am - 5:00pm
Friday 8:00am - 5:00pm
Saturday 9:30am - 1:00pm

About 360 Federal Credit Union Secured Visa Classic

View all personal credit cards offered by 360 Federal Credit Union

View 360 Federal Credit Union Profile

Availability

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
Minimum Interest Charge	$0.01
No Interest Grace Period for Late Payment	25 days
Cash Advance Fee Minimum	$5
Cash Advance Fee (%)	2%
Foreign Currency Transaction Fee	1%
Over-Limit Fee	$20
Returned Payment Fee	$25
Paper Statement Fee	$10
Late Fee Amount	Starting at $25

Be the first to rate

Would you recommend 360 Federal Credit Union Secured Visa Classic to your friends?

Credit History Not Required
Customer Type	Personal
Minimum Age	18
Supported Income Types	Direct Deposit (W2, SSA, SSDI) Cash Payroll Check or Prepaid Card 1099 Misc. Income
Military Status	Active Duty Military Non-Military Veterans Military Dependent
Employment Statuses Considered	Employed Full-Time Employed Part-Time Other Retired Self-Employed
Immigration Status Considered	U.S. Citizen U.S. Permanent Resident

Cash Advance APR (Variable APR)	Starting at 15.50%
Balance Computation	“Average Daily Balance” (including new purchases/transactions)
Penalty APR (Variable APR)	18%
Purchase APR (Variable APR)	15.50%

Compare All Personal Credit Cards

360 Federal Credit Union Secured Visa Classic

in Personal Credit Cards from 360 Federal Credit Union