
Citizens Equity First Credit Union Mastercard
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Purchase APR (Variable APR) |
10.75% - 20.25% (Verified 10/25/2022) |
Balance Transfer APR (Variable APR) |
10.75% - 20.25% (Verified 10/25/2022) |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
Citizens Equity First Credit Union Mastercard Review
This is a secured credit card credit card issued by Citizens Equity First Credit Union. If you're wondering whether Citizens Equity First Credit Union Mastercard is the right card for you, read on.
Key Takeaways
- Competitive APRs. Citizens Equity First Credit Union Mastercard has a variable purchase APR that ranges from 10.75% up to 20.25%.
- 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 qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, price protection, trip cancellation insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Citizens Equity First Credit Union Mastercard
The Good | The Bad |
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Citizens Equity First Credit Union Mastercard FAQ
Does Citizens Equity First Credit Union Mastercard have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Citizens Equity First Credit Union Mastercard benefits?
It provides the following benefits:
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Price Protection
- Reports to major credit bureaus
What are the relevant APRs for Citizens Equity First Credit Union Mastercard?
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 lower than average regular APRs.Citizens Equity First Credit Union Mastercard has a variable purchase APR that ranges from 10.75% up to 20.25%. The card has a variable balance transfer APR that ranges from 10.75% up to 20.25%. It also has a variable cash advance APR that ranges from 13.75% up to 23.25%.
Does Citizens Equity First Credit Union Mastercard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 1.99% for a period of up to 12 months.
Description | |
---|---|
Balance Transfer Introductory APR | 1.99% |
Balance Transfer Intro APR Period | 12 months |
Balance Transfer APR | 10.75% - 20.25% |
Does Citizens Equity First Credit Union Mastercard have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases. for a period of up to 12 months.What are the fees for Citizens Equity First Credit Union Mastercard?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
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 Citizens Equity First Credit Union Mastercard?
The Citizens Equity First Credit Union Mastercard customer service number is (800) 542-3328.
What is the support contact email for Citizens Equity First Credit Union Mastercard?
The support contact email for Citizens Equity First Credit Union Mastercard is email@cefcu.com.
What is the Citizens Equity First Credit Union Mastercard login page?
You can access the Citizens Equity First Credit Union Mastercard login page here.
How do people rate the customer service and user experience of Citizens Equity First Credit Union Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Citizens Equity First Credit Union Mastercard report your account activity to credit bureaus?
Yes, Citizens Equity First Credit Union 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 Citizens Equity First Credit Union Mastercard
- Visit the Citizens Equity First Credit Union 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.
Contact
- Headquarters
-
5401 W Dirksen Pkwy
Peoria, IL 61607 USA - (800) 542-3328
- Visit Site
- Email Support
Other Services by Citizens Equity First Credit Union
Availability
- California
- Illinois
Feature Breakdown
Purchase Intro APR Period (Variable APR) | 12 months |
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