Last Updated: 07/28/2025
Atlantic FCU Visa Secured Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 17.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
Starting at 17.99%(Verified 06/21/2024)
Credit Score Range
590 - 850
Annual Fee
$0
Atlantic FCU Visa Secured Credit Card Review
This is a secured credit card issued by Atlantic Federal Credit Union. If you're wondering whether Atlantic FCU Visa Secured Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR starting at 17.99%
- 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.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Atlantic FCU Visa Secured
| The Good | The Bad |
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Atlantic FCU Visa Secured FAQ
Does Atlantic FCU Visa Secured have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Atlantic FCU Visa Secured?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Atlantic FCU Visa Secured Credit Card has a variable purchase APR starting at 17.99%. The card has a variable balance transfer APR starting at 17.99% . It also has a variable cash advance APR starting at 17.99% .
Does Atlantic FCU Visa Secured have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Atlantic FCU Visa Secured have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Atlantic FCU Visa Secured?
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| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for Atlantic FCU Visa Secured?
The customer service number for Atlantic FCU Visa Secured is (800) 834-0432.
What is the support contact email for Atlantic FCU Visa Secured?
The support contact email for Atlantic FCU Visa Secured is info@atlanticfcu.com.
How do people rate the customer service and user experience of Atlantic FCU Visa Secured?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Atlantic FCU Visa Secured Credit Card report your account activity to credit bureaus?
Yes, Atlantic FCU Visa Secured Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Atlantic Federal Credit Union perform a hard credit pull?
Yes, Atlantic FCU Visa Secured performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Atlantic FCU Visa Secured
- Visit the website of Atlantic FCU Visa Secured.
- 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
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
9:00AM - 12:00PM
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Purchase APR
Starting at 11.49%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 11.49%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 15.50%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 15.50%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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