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  Credit Union 1of Alaska  Secured Credit Card

Credit Union 1of Alaska Secured Credit Card

in Personal Credit Cards from Credit Union 1 of Alaska

Unaffiliated

Credit Union 1of Alaska Secured Credit Card

Unaffiliated

in Personal Credit Cards from Credit Union 1 of Alaska

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Highlights
Purchase APR  (Variable APR) Starting at 13.9%
Balance Transfer APR  (Variable APR) Starting at 13.9%
Credit Score Range 500 - 600
Annual Fee Starting at $15

Credit Union 1of Alaska Secured Credit Card Review

This is a secured credit card credit card issued by Credit Union 1 of Alaska. If you're wondering whether Credit Union 1of Alaska Secured 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
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
  • 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, identity theft protection, purchase protection, and fraud protection.
  • 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 Credit Union 1of Alaska Secured Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Credit Union 1of Alaska Secured Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of up to .
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 2%.
  • You don't earn rewards on every purchase.
Credit Union 1of Alaska Secured Credit Card FAQ

Does Credit Union 1of Alaska Secured Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Credit Union 1of Alaska Secured Credit Card benefits?

It provides the following benefits:

  • Emergency Support
  • Cell Phone Protection
  • Reports to major credit bureaus

What are the relevant APRs for Credit Union 1of Alaska Secured 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 starting at 13.9% . The card has a variable balance transfer APR starting at 13.9% . It also has a variable cash advance APR starting at 13.9% .

Does Credit Union 1of Alaska Secured Credit Card have an intro APR offer on balance transfers?

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

Does Credit Union 1of Alaska Secured Credit 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 Credit Union 1of Alaska Secured Credit Card?

The following fees apply:

Credit Union 1of Alaska Secured Credit Card Fees
Fees Amount
Annual Fee N/A
Foreign Transaction Fee 2%

Does Credit Union 1of Alaska Secured Credit Card have a foreign transaction fee?

Credit Union 1of Alaska Secured Credit Card charges a foreign transaction fee of 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 customer service phone number for Credit Union 1of Alaska Secured Credit Card?

The Credit Union 1of Alaska Secured Credit Card customer service number is (907) 339-9485.

Does Credit Union 1of Alaska Secured Credit Card report your account activity to credit bureaus?

Yes, Credit Union 1of Alaska 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 Credit Union 1of Alaska Secured Credit Card

  • Visit the Credit Union 1of Alaska Secured 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.

View Credit Union 1of Alaska Secured Credit Card's published terms & conditions.
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 10:00am - 6:00pm
  • Tuesday 10:00am - 6:00pm
  • Wednesday 10:00am - 6:00pm
  • Thursday 10:00am - 6:00pm
  • Friday 10:00am - 6:00pm
  • Saturday 10:00am - 5:00pm

About Credit Union 1of Alaska Secured Credit Card

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View all personal credit cards offered by Credit Union 1 of Alaska

Availability

  Available in 1 state
Alaska
Availabile in all of Alaska

Feature Breakdown

No Interest Grace Period for Late Payment 21 days
Foreign Currency Transaction Fee 2%
Annual Fee Starting at $15
Returned Payment Fee Starting at $20
Late Fee Amount Starting at $30
Customer Type Personal
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
  • U.S. Temporary Resident Visa Holders
Credit Score Range 500 - 600
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Cellular Telephone Protection
  • Emergency Support
  • Identity Theft Protection
  • Purchase Protection
Rewards Type Points
Cash Advance APR (Variable APR) Starting at 13.9%
Balance Computation We use a method called “average daily balance” (including new purchases). See your account agreement for more details
Purchase APR (Variable APR) Starting at 13.9%
Balance Transfer APR (Variable APR) Starting at 13.9%
Card Type
  • Secured
Card Network Mastercard

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