Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
26.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
26.99%(Verified 06/21/2024)
Credit Score Range
Starting at 670
Annual Fee
$0
F&M Bank Secured Card Review
This is a secured credit card issued by F&M Bank. If you're wondering whether F&M Bank Secured 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 of 26.99%
- 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.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
- 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.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of F&M Bank Secured Card
| The Good | The Bad |
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F&M Bank Secured Card FAQ
Does F&M Bank Secured Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
What are the relevant APRs for F&M Bank Secured Card?
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 higher than average regular APRs.F&M Bank Secured Card has a variable purchase APR of 26.99%. The card has a variable balance transfer APR of 26.99% . It also has a variable cash advance APR of 28.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does F&M Bank Secured Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does F&M Bank Secured Card 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 F&M Bank Secured Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does F&M Bank Secured Card have a foreign transaction fee?
F&M Bank Secured Card charges a foreign transaction fee of up to 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the support contact email for F&M Bank Secured Card?
The support contact email for F&M Bank Secured Card is rcs@fmb.com.
How do people rate the customer service and user experience of F&M Bank Secured Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does F&M Bank perform a hard credit pull?
Yes, F&M Bank Secured Card 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 F&M Bank Secured Card
- Visit the website of F&M Bank Secured Card.
- 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.
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
Closed
Other Services by F&M Bank
Home Mortgage Loans
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Mortgage Refinance
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Other Credit Cards from F&M Bank
Rating not yet determined
Purchase APR
17.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 670
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 670
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 670
Annual Fee
$0
Rating not yet determined
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 28.99%
Disclaimer popup with additional information
Credit Score Range
Starting at 670
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 26.99%
Disclaimer popup with additional information
Credit Score Range
Starting at 670
Annual Fee
$0
Rating not yet determined
Purchase APR
7.99% - 15.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
670 - 840
300
850
Annual Fee
$0 - $12
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Learn MoreSuperMoney Net Recommendation Score
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