Last Updated: 07/28/2025
HAPO Community Credit Union Visa Share Secured
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
18%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
18%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
500 - 850
Annual Fee
$0
HAPO Community Credit Union Visa Share Secured Review
This is a secured credit card issued by HAPO Community Credit Union. If you're wondering whether HAPO Community Credit Union Visa Share Secured 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 18%
- 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of HAPO Community Credit Union Visa Share Secured
| The Good | The Bad |
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HAPO Community Credit Union Visa Share Secured FAQ
Does HAPO Community Credit Union Visa Share Secured have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for HAPO Community Credit Union Visa Share Secured?
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.HAPO Community Credit Union Visa Share Secured has a variable purchase APR of 18%. The card has a variable balance transfer APR of 18% . It also has a variable cash advance APR of 18% .
Does HAPO Community Credit Union Visa Share Secured have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does HAPO Community Credit Union Visa Share Secured 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 HAPO Community Credit Union Visa Share Secured?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 $25 . What is the customer service phone number for HAPO Community Credit Union Visa Share Secured?
The customer service number for HAPO Community Credit Union Visa Share Secured is (800) 284-4276.
What is the support contact email for HAPO Community Credit Union Visa Share Secured?
The support contact email for HAPO Community Credit Union Visa Share Secured is haponews@hapo.org.
How do people rate the customer service and user experience of HAPO Community Credit Union Visa Share Secured?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does HAPO Community Credit Union Visa Share Secured report your account activity to credit bureaus?
Yes, HAPO Community Credit Union Visa Share Secured 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 HAPO Community Credit Union perform a hard credit pull?
Yes, HAPO Community Credit Union Visa Share Secured 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 HAPO Community Credit Union Visa Share Secured
- Visit the website of HAPO Community Credit Union Visa Share Secured.
- 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.
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Hours of Operation
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Other Services by HAPO Community Credit Union
Other Credit Cards from HAPO Community Credit Union
Rating not yet determined
Purchase APR
14.75% - 18%
Disclaimer popup with additional information
Balance Transfer APR
14.75% - 18%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.50% - 18%
Disclaimer popup with additional information
Balance Transfer APR
15.50% - 18%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
12.50% - 18%
Disclaimer popup with additional information
Balance Transfer APR
12.50% - 18%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
SuperMoney Net Recommendation Score
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