Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
29.24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
29.24%(Verified 06/21/2024)
Credit Score Range
620 - 850
Annual Fee
$0
Finex CU Visa® Secured Credit Card Review
This is a secured credit card issued by Finex Credit Union. If you're wondering whether Finex CU Visa® Secured Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 29.24%
- 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.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- 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, purchase security, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Finex CU Visa® Secured Card
| The Good | The Bad |
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Finex CU Visa® Secured Card FAQ
Does Finex CU Visa® Secured Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Finex CU Visa® Secured Card?
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 higher than average regular APRs.Finex CU Visa® Secured Credit Card has a variable purchase APR of 29.24%. The card has a variable balance transfer APR of 29.24% . It also has a variable cash advance APR of 29.99% .
Does Finex CU 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 Finex CU 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 Finex CU Visa® Secured Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Finex CU Visa® Secured Card have a foreign transaction fee?
Finex CU Visa® Secured Card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 Finex CU Visa® Secured Card?
The customer service number for Finex CU Visa® Secured Card is (860) 282-0001.
What is the support contact email for Finex CU Visa® Secured Card?
The support contact email for Finex CU Visa® Secured Card is help@finexcu.org.
How do people rate the customer service and user experience of Finex CU Visa® Secured Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Finex CU Visa® Secured Credit Card report your account activity to credit bureaus?
Yes, Finex CU Visa® Secured Credit Card 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 Finex Credit Union perform a hard credit pull?
Yes, Finex CU Visa® Secured Card 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 Finex CU Visa® Secured Card
- Visit the website of Finex CU Visa® Secured Card.
- 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
8:00AM - 4:30PM
Tuesday
8:00AM - 4:30PM
Wednesday
9:30AM - 4:30PM
Thursday
8:00AM - 6:00PM
Friday
8:00AM - 4:30PM
Saturday
Closed
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Other Credit Cards from Finex Credit Union
Rating not yet determined
Purchase APR
19.74% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
19.74% - 29.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.74% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
19.74% - 29.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.74% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
19.74% - 29.74%
Disclaimer popup with additional information
Credit Score Range
720 - 850
300
850
Annual Fee
$390
Rating not yet determined
Purchase APR
19.74% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
19.74% - 29.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.74% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
19.74% - 29.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0 - $99
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
17.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
17.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
29.99%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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