Associated Credit Union of Texas Secured MasterCard® Review

Associated Credit Union of Texas Secured MasterCard® is a secured credit card credit card issued by Associated Credit Union of Texas. If you're wondering whether Associated Credit Union of Texas Secured MasterCard® 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 fixed purchase APR of 18.00%
• 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.
• Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.

The Good	The Bad
Identity Theft Protection. Considers applicants with fair or poor credit. Associated Credit Union of Texas Secured MasterCard® reports to multiple credit bureaus.	Higher than average purchase APRs. Charges an annual fee of $20 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 benefits.

Is there a Associated Credit Union of Texas Secured MasterCard® cash back or rewards program?

No, Associated Credit Union of Texas Secured MasterCard® does not offer a rewards program.

What are the Associated Credit Union of Texas Secured MasterCard® benefits?

Associated Credit Union of Texas Secured MasterCard® provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Associated Credit Union of Texas Secured MasterCard®?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Associated Credit Union of Texas Secured MasterCard® has higher than average purchase APRs.

Associated Credit Union of Texas Secured MasterCard® has a fixed purchase APR of 18.00%. The card has a fixed balance transfer APR of 18.00% . It also has a fixed cash advance APR of 18.00% .

What are the fees for Associated Credit Union of Texas Secured MasterCard®?

The following fees apply to Associated Credit Union of Texas Secured MasterCard®:

Associated Credit Union of Texas Secured MasterCard® Fees

Fees	Amount
Annual Fee	$20
Foreign Transaction Fee	1%
Returned Payment Fee	up to $20
Late Payment Fee	up to $20

Does Associated Credit Union of Texas Secured MasterCard® report your account activity to credit bureaus?

Yes, Associated Credit Union of Texas Secured MasterCard® 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 may help improve your credit.

How to apply for Associated Credit Union of Texas Secured MasterCard®

• Visit the Associated Credit Union of Texas Secured MasterCard® 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.