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  Associated Credit Union of Texas Secured MasterCard®

Associated Credit Union of Texas Secured MasterCard®

in Personal Credit Cards from Associated Credit Union of Texas

Unaffiliated

Associated Credit Union of Texas Secured MasterCard®

Unaffiliated

in Personal Credit Cards from Associated Credit Union of Texas

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Highlights
Purchase APR  (Fixed APR) 18.00%
Balance Transfer APR  (Fixed APR) 18.00%
Credit Score Range 350 - 600
Annual Fee $20

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.

Key Takeaways
  • 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.
Associated Credit Union of Texas Secured MasterCard® Pros & Cons
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.
Associated Credit Union of Texas Secured MasterCard® FAQ

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% .

Does Associated Credit Union of Texas Secured MasterCard® have an introductory APR offer on balance transfers?

No, Associated Credit Union of Texas Secured MasterCard® does not come with an introductory APR offer for balance transfers.

Does Associated Credit Union of Texas Secured MasterCard® have an introductory APR offer on new purchases?

Associated Credit Union of Texas Secured MasterCard® does not offer an introductory rate on new purchases.

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® have a foreign transaction fee?

Associated Credit Union of Texas Secured MasterCard® 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 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.

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
  •   1095 W League City Pkwy, League City, TX 77573, United States
    League City, TX 77573
  • (409) 945-4474
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:30pm
  • Tuesday 9:00am - 5:30pm
  • Wednesday 9:00am - 5:30pm
  • Thursday 9:00am - 5:30pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 12:30pm

Other Services by Associated Credit Union of Texas

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • 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

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $2
Cash Advance Fee (%) Starting at 2%
Minimum Cash Advance Fee ($) Starting at $2
Foreign Currency Transaction Fee 1%
Annual Fee $20
Returned Payment Fee Up to $20
Paper Statement Fee $6
Late Fee Amount Up to $20
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 350 - 600
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 18.00%
Purchase APR (Fixed APR) 18.00%
Balance Transfer APR (Fixed APR) 18.00%
Card Type
  • Secured
  • Low Interest
  • Bad Credit
Card Network Mastercard

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