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  Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card

Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card

in Personal Credit Cards from Bank Fund Staff Federal Credit Union

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Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card

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in Personal Credit Cards from Bank Fund Staff Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 8.9%
Balance Transfer APR  (Variable APR) 11.9%
Credit Score Range 350 - 600
Annual Fee $0

Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card Review

This is a credit card issued by Bank Fund Staff Federal Credit Union. If you're wondering whether Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card has a variable purchase APR of 8.9%
  • 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.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
  • 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.
  • 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.
Pros & Cons of Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 3.9%.
  • No balance transfer fee.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card reports to multiple credit bureaus.
  • 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.
Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card FAQ

Does Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR of 8.9%. The card has a variable balance transfer APR of 11.9% . It also has a variable cash advance APR that ranges from 3.9% up to 11.9%. Note that late payments are subject to an APR of 14.9% 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 Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 3.9% for a period of up to 12 months.

Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR 3.9%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 11.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card have an intro APR offer on new purchases?

Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card Purchase Intro Offer
Description
Introductory Rate 3.9%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 3.9% on qualified purchases for a period of up to 6 months.

What are the fees for Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card?

The following fees apply:

  • There is no overlimit fee
Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $25

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card have a foreign transaction fee?

Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card 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 foreign transaction fees.

Does Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card report your account activity to credit bureaus?

Yes, Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card 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 Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card

  • Visit the Bank Fund Staff Federal Credit Union Secured Visa® Platinum Credit Card 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
  •   1818 H Street N.W
    Washington DC, DC 20433
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 4:00pm
  • Tuesday 8:30am - 4:00pm
  • Wednesday 8:30am - 4:00pm
  • Thursday 8:30am - 4:00pm
  • Friday 8:30am - 4:00pm
  • Saturday Closed

Other Services by Bank Fund Staff Federal Credit Union

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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

Introductory Rate 3.9%
Purchase Intro APR Period (Variable APR) 6 months
Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Paper Statement Fee $2
Late Fee Amount Up to $25
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
Credit Score Range 350 - 600
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Type No Rewards
Cash Advance APR (Variable APR) 3.9% - 11.9%
Balance Computation "average daily balance (including new purchases)."
Penalty APR (Variable APR) 14.9%
Purchase APR (Variable APR) 8.9%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR (Variable APR) 3.9%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 11.9%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Low Interest
  • Bad Credit
Card Network Visa

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