Last Updated: 07/28/2025
GTE Federal Credit Union Secured Go Forward Mastercard
Unaffiliated
in Credit Cards from GTE Federal Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
17.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
17.99%(Verified 06/21/2024)
Credit Score Range
500 - 850
Annual Fee
$0
GTE Federal Credit Union Secured Go Forward Mastercard Review
This is a secured credit card issued by GTE Federal Credit Union. If you're wondering whether GTE Federal Credit Union Secured Go Forward Mastercard 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 17.99%
- 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.
- A 3% balance transfer fee. GTE Federal Credit Union Secured Go Forward Mastercard charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 0.8% 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of GTE Federal Credit Union Secured Mastercard
| The Good | The Bad |
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GTE Federal Credit Union Secured Mastercard FAQ
Does GTE Federal Credit Union Secured Mastercard have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for GTE Federal Credit Union Secured 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.GTE Federal Credit Union Secured Go Forward Mastercard has a variable purchase APR of 17.99%. The card has a variable balance transfer APR of 17.99% . It also has a variable cash advance APR of 17.99% .
Does GTE Federal Credit Union Secured Mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does GTE Federal Credit Union Secured Mastercard 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 GTE Federal Credit Union Secured Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0.8% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $29 - $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
There is a late fee of up to $40 . Does GTE Federal Credit Union Secured Mastercard have a foreign transaction fee?
GTE Federal Credit Union Secured Mastercard charges a foreign transaction fee of up to 0.8%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $16. 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 GTE Federal Credit Union Secured Mastercard?
The customer service number for GTE Federal Credit Union Secured Mastercard is (831) 871-2690.
What is the support contact email for GTE Federal Credit Union Secured Mastercard?
The support contact email for GTE Federal Credit Union Secured Mastercard is brad.baker@gtefinancial.org.
What is the login page for GTE Federal Credit Union Secured Mastercard?
You can access the login page of GTE Federal Credit Union Secured Mastercard here.
How do people rate the customer service and user experience of GTE Federal Credit Union Secured Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does GTE Federal Credit Union Secured Go Forward Mastercard report your account activity to credit bureaus?
Yes, GTE Federal Credit Union Secured Go Forward 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 GTE Federal Credit Union perform a hard credit pull?
Yes, GTE Federal Credit Union Secured 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 GTE Federal Credit Union Secured Mastercard
- Visit the website of GTE Federal Credit Union Secured 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.
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