Last Updated: 07/28/2025
Leominster CU Secured Card
Unaffiliated
in Credit Cards from Leominster Credit Union
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
Leominster CU Secured Card Review
This is a secured credit card issued by Leominster Credit Union. If you're wondering whether Leominster CU Secured 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.
- A 3% balance transfer fee. Leominster CU Secured Card 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 $5.
- 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 Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel assistance, 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 Leominster CU Secured Card
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Leominster CU Secured Card FAQ
Does Leominster CU Secured Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Leominster CU 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.Leominster CU Secured 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 29.24% .
Does Leominster CU Secured Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Leominster CU 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 Leominster CU Secured Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
Does Leominster CU Secured Card have a foreign transaction fee?
Leominster CU 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 Leominster CU Secured Card?
The customer service number for Leominster CU Secured Card is (800) 649-4646.
What is the support contact email for Leominster CU Secured Card?
The support contact email for Leominster CU Secured Card is info@leominstercu.com.
What is the login page for Leominster CU Secured Card?
You can access the login page of Leominster CU Secured Card here.
How do people rate the customer service and user experience of Leominster CU Secured Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Leominster CU Secured Card report your account activity to credit bureaus?
Yes, Leominster CU Secured 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 Leominster Credit Union perform a hard credit pull?
Yes, Leominster CU 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 Leominster CU Secured Card
- Visit the website of Leominster CU 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.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 5:00PM
Thursday
8:30AM - 6:00PM
Friday
8:30AM - 5:00PM
Saturday
8:30AM - 12:00PM