Last Updated: 07/28/2025
Citizens Equity First Credit Union Mastercard
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
10.75% - 20.25%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
10.75% - 20.25%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 850
Annual Fee
$0
Citizens Equity First Credit Union Mastercard Review
This is a secured 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
- APRs: Citizens Equity First Credit Union Mastercard has a variable regular 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 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 emergency support, extended warranty protection on purchases, identity theft protection, price protection, trip cancellation and interruption protection, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 10.75% - 20.25% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 1.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 12 months.What are the fees for Citizens Equity First Credit Union Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 8.25% - 17.75% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 customer service number for Citizens Equity First Credit Union Mastercard 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.
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 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 Citizens Equity First Credit Union perform a hard credit pull?
Yes, Citizens Equity First Credit Union Mastercard 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 Citizens Equity First Credit Union Mastercard
- Visit the website of Citizens Equity First Credit Union Mastercard.
- 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
8:00AM - 5:00PM
Saturday
8:00AM - 12:00PM
Other Services by Citizens Equity First Credit Union
Checking Accounts
Rating not yet determined (1 Review)
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Savings Accounts
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Business Credit Cards
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Other Credit Cards from Citizens Equity First Credit Union
Rating not yet determined
Purchase APR
12.75% - 22.25%
Disclaimer popup with additional information
Balance Transfer APR
12.75% - 22.25%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
11.75% - 21.25%
Disclaimer popup with additional information
Balance Transfer APR
11.75% - 21.25%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
11.75% - 21.25%
Disclaimer popup with additional information
Balance Transfer APR
11.75% - 21.25%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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