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  Elements Financial Federal Credit Union Secured Visa Card

Elements Financial Federal Credit Union Secured Visa Card

in Personal Credit Cards from Elements Financial Federal Credit Union

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Elements Financial Federal Credit Union Secured Visa Card

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in Personal Credit Cards from Elements Financial Federal Credit Union

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Highlights
Purchase APR  (Variable APR) Starting at 12.99
Balance Transfer APR  (Variable APR) Starting at 12.99
Credit Score Range 500 - 600
Annual Fee N/A

Elements Financial Federal Credit Union Secured Visa Card Review

Elements Financial Federal Credit Union Secured Visa Card is a rewards credit card issued by Elements Financial Federal Credit Union. If you're wondering whether Elements Financial Federal Credit Union Secured Visa Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.0% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, 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.
Elements Financial Federal Credit Union Secured Visa Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on their purchases.
  • Elements Financial Federal Credit Union Secured Visa Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1.0%.
  • You don't earn rewards on every purchase.
Elements Financial Federal Credit Union Secured Visa Card FAQ

Is there a Elements Financial Federal Credit Union Secured Visa Card cash back or rewards program?

Elements Financial Federal Credit Union Secured Visa Card offers a rewards program to its customers. This card features rewards for purchases in the following categories:

Elements Financial Federal Credit Union Secured Visa Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Elements Financial Federal Credit Union Secured Visa Card have a signup bonus?

Elements Financial Federal Credit Union Secured Visa Card doesn't offer a cash signup bonus.

Does Elements Financial Federal Credit Union Secured Visa Card offer an annual loyalty bonus?

Elements Financial Federal Credit Union Secured Visa Card doesn't offer a cash loyalty bonus.

What are the Elements Financial Federal Credit Union Secured Visa Card benefits?

Elements Financial Federal Credit Union Secured Visa Card provides the following benefits:

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

What are the relevant APRs for Elements Financial Federal Credit Union Secured Visa Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Elements Financial Federal Credit Union Secured Visa Card has lower than average purchase APRs.

Elements Financial Federal Credit Union Secured Visa Card has a variable purchase APR starting at 12.99% . The card has a variable balance transfer APR starting at 12.99% . It also has a variable cash advance APR starting at 15.99% .

Does Elements Financial Federal Credit Union Secured Visa Card have an introductory APR offer on balance transfers?

No, Elements Financial Federal Credit Union Secured Visa Card does not come with an introductory APR offer for balance transfers.

Does Elements Financial Federal Credit Union Secured Visa Card have an introductory APR offer on new purchases?

Elements Financial Federal Credit Union Secured Visa Card does not offer an introductory rate on new purchases.

What are the fees for Elements Financial Federal Credit Union Secured Visa Card?

The following fees apply to Elements Financial Federal Credit Union Secured Visa Card:

Elements Financial Federal Credit Union Secured Visa Card Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1.0%
Returned Payment Fee up to $25.00
Late Payment Fee up to $25.00

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

Elements Financial Federal Credit Union Secured Visa Card charges a foreign transaction fee of 1.0%. 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 a foreign transaction fee.

Does Elements Financial Federal Credit Union Secured Visa Card report your account activity to credit bureaus?

Yes, Elements Financial Federal Credit Union Secured Visa 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 Elements Financial Federal Credit Union Secured Visa Card

  • Visit the Elements Financial Federal Credit Union Secured Visa 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 Elements Financial Federal Credit Union Secured Visa 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 8:00am - 1:00pm
  • Tuesday Closed
  • Wednesday 8:00am - 1:00pm
  • Thursday Closed
  • Friday 8:00am - 1:00pm
  • Saturday Closed

About Elements Financial Federal Credit Union Secured Visa Card

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View all personal credit cards offered by Elements Financial Federal Credit Union

Availability

  Available in 1 state
Indiana
Availabile in all of Indiana

Feature Breakdown

No Annual Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum 5.00
Cash Advance Fee (%) Starting at 3
Minimum Cash Advance Fee ($) Starting at 5.00
Foreign Currency Transaction Fee 1.0
Returned Payment Fee Up to 25.00
Late Fee Amount Up to 25.00
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 600
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
Rewards Categories
  • Select Merchants
Cash Advance APR (Variable APR) Starting at 15.99
Balance Computation We use a method called "Average Daily Balance (including new purchases)."
Purchase APR (Variable APR) Starting at 12.99
Balance Transfer APR (Variable APR) Starting at 12.99
Card Type
  • Rewards
Card Network Visa

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