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  Bay Federal Credit Union Visa® Secured Credit Card
Bay Federal Credit Union Visa® Secured Credit Card Unaffiliated

Bay Federal Credit Union Visa® Secured Credit Card

Unaffiliated
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Highlights
Purchase APR  (Variable APR) 17.99%
(Verified 11/07/2022)
Balance Transfer APR  (Variable APR) 17.99%
(Verified 11/07/2022)
Credit Score Range N/A
Annual Fee $0

Bay Federal Credit Union Visa® Secured Credit Card Review

This is a secured credit card credit card issued by Bay Federal Credit Union. If you're wondering whether Bay Federal Credit Union Visa Secured Card is the right card for you, read on.

Key Takeaways

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 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.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • 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.

Pros & Cons of Bay Federal Credit Union Visa Secured Card

The Good The Bad
  • No annual fee.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • Bay Federal Credit Union Visa® Secured Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.

Bay Federal Credit Union Visa Secured Card FAQ

Does Bay Federal Credit Union Visa Secured Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Bay Federal Credit Union Visa Secured Card benefits?

It provides the following benefits:

  • Extended Warranty Protection
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Bay Federal Credit Union Visa Secured 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. This card has higher than average regular APRs.

Bay Federal Credit Union Visa® Secured Credit Card has a variable purchase APR of 17.99%. The card has a variable balance transfer APR of 17.99% . It also has a variable cash advance APR of 17.99% .

Does Bay Federal Credit Union Visa Secured Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Bay Federal Credit Union Visa 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 Bay Federal Credit Union Visa Secured Card?

The following fees apply:

Bay Federal Credit Union Visa Secured Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $28
Late Payment Fee up to $39

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

Does Bay Federal Credit Union Visa Secured Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Bay Federal Credit Union Visa Secured Card?

The Bay Federal Credit Union Visa Secured Card customer service number is (831) 479-6000.

What is the support contact email for Bay Federal Credit Union Visa Secured Card?

The support contact email for Bay Federal Credit Union Visa Secured Card is info@bayfed.com.

What is the Bay Federal Credit Union Visa Secured Card login page?

You can access the Bay Federal Credit Union Visa Secured Card login page here.

How do people rate the customer service and user experience of Bay Federal Credit Union Visa Secured Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Bay Federal Credit Union Visa® Secured Credit Card report your account activity to credit bureaus?

Yes, Bay Federal Credit Union Visa® Secured 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 Bay Federal Credit Union Visa Secured Card

  • Visit the Bay Federal Credit Union Visa Secured 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

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 10:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

Other Services by Bay Federal Credit Union

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View all credit cards offered by Bay Federal Credit Union

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

Cash Advance Fee Minimum $2
Cash Advance Fee (%) 2%
Minimum Cash Advance Fee ($) $2
Foreign Currency Transaction Fee 0%
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee Up to $28
Late Fee Amount Up to $39
Customer Type Personal
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Fraud Liability
Cash Advance APR (Variable APR) 17.99%
APR Type Variable APR
Balance Computation Average Daily Balance (including new purchases).
Purchase APR (Variable APR) 17.99%
(Verified 11/07/2022)
Balance Transfer APR (Variable APR) 17.99%
(Verified 11/07/2022)
Card Type
  • Secured
Card Network Visa

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