Last Updated: 07/28/2025
Ironworkers USA FCU Visa® Share Secured Credit Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
14.99%(Verified 06/21/2024)
Balance Transfer APR (Fixed APR)
14.99%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Ironworkers USA FCU Visa® Share Secured Credit Card Review
This is a secured credit card issued by Ironworkers USA Federal Credit Union. If you're wondering whether Ironworkers USA FCU Visa® Share Secured Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Ironworkers USA FCU Visa® Share Secured Credit Card has a fixed purchase APR of 14.99%
- 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.
- 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.
Pros & Cons of Ironworkers USA FCU Visa® Share Secured Credit Card
| The Good | The Bad |
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Ironworkers USA FCU Visa® Share Secured Credit Card FAQ
Does Ironworkers USA FCU Visa® Share Secured Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Ironworkers USA FCU Visa® Share Secured Credit 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 lower than average regular APRs.Ironworkers USA FCU Visa® Share Secured Credit Card has a fixed purchase APR of 14.99%. The card has a fixed balance transfer APR of 14.99% . It also has a fixed cash advance APR of 14.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Ironworkers USA FCU Visa® Share 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 Ironworkers USA FCU Visa® Share 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 Ironworkers USA FCU Visa® Share Secured Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $28.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $28.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for Ironworkers USA FCU Visa® Share Secured Credit Card?
The customer service number for Ironworkers USA FCU Visa® Share Secured Credit Card is (503) 774-3848.
What is the login page for Ironworkers USA FCU Visa® Share Secured Credit Card?
You can access the login page of Ironworkers USA FCU Visa® Share Secured Credit Card here.
How do people rate the customer service and user experience of Ironworkers USA FCU Visa® Share Secured Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Ironworkers USA FCU Visa® Share Secured Credit Card report your account activity to credit bureaus?
Yes, Ironworkers USA FCU Visa® Share 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 Ironworkers USA Federal Credit Union perform a hard credit pull?
Yes, Ironworkers USA FCU Visa® Share Secured Credit 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 Ironworkers USA FCU Visa® Share Secured Credit Card
- Visit the website of Ironworkers USA FCU Visa® Share Secured Credit 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.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed