McCoy Federal Credit Union Share Secured Credit Card
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| Purchase APR (Variable APR) | Starting at 15.5% |
| Balance Transfer APR (Variable APR) | Starting at 15.5% |
| Credit Score Range | 500 - 850 |
| Annual Fee | $0 |
McCoy Federal Credit Union Share Secured Credit Card Review
This is a secured credit card rewards card issued by McCoy Federal Credit Union. If you're wondering whether McCoy Federal Credit Union Share Secured Credit Card is the right card for you, read on.
Key Takeaways
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.5% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of McCoy Federal Credit Union Share Secured Credit Card
| The Good | The Bad |
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McCoy Federal Credit Union Share Secured Credit Card FAQ
Does McCoy Federal Credit Union Share Secured Credit Card have a cash back or rewards program?
McCoy Federal Credit Union Share Secured Credit Card is a rewards card.
| Minimum rewards rate | 1x |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does McCoy Federal Credit Union Share Secured Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does McCoy Federal Credit Union Share Secured Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the McCoy Federal Credit Union Share Secured Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for McCoy Federal Credit Union Share Secured Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.McCoy Federal Credit Union Share Secured Credit Card has a variable purchase APR starting at 15.5% . The card has a variable balance transfer APR starting at 15.5% . It also has a variable cash advance APR starting at 15.5% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does McCoy Federal Credit Union 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 McCoy Federal Credit Union 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 McCoy Federal Credit Union Share Secured Credit Card?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Initial Program Fee | $0 |
| Foreign Transaction Fee | 1.5% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $25 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does McCoy Federal Credit Union Share Secured Credit Card have a foreign transaction fee?
McCoy Federal Credit Union Share Secured Credit Card charges a foreign transaction fee of 1.5%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $30. 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 McCoy Federal Credit Union Share Secured Credit Card?
The McCoy Federal Credit Union Share Secured Credit Card customer service number is (407) 855-5452.
What is the support contact email for McCoy Federal Credit Union Share Secured Credit Card?
The support contact email for McCoy Federal Credit Union Share Secured Credit Card is mccoy@mccoyfcu.org.
What is the McCoy Federal Credit Union Share Secured Credit Card login page?
You can access the McCoy Federal Credit Union Share Secured Credit Card login page here.
How do people rate the customer service and user experience of McCoy Federal Credit Union Share Secured Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does McCoy Federal Credit Union Share Secured Credit Card report your account activity to credit bureaus?
Yes, McCoy Federal Credit Union Share Secured Credit Card reports your account activity to the following credit reporting agencies:
- 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 improve your credit.
How to apply for McCoy Federal Credit Union Share Secured Credit Card
- Visit the McCoy Federal Credit Union Share Secured Credit Card website.
- 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.
Contact
- Headquarters
-
1900 McCoy Rd Orlando , Florida 32809
Orlando, FL 32809 USA - (407) 855-5452
- Visit Site
- Email Support
Other Services by McCoy Federal Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Starting at 3% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Initial Program Fee | $0 |
| Foreign Currency Transaction Fee | 1.5% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 21 days |
| Returned Payment Fee | Up to $25 |
| Paper Statement Fee | $5 |
| Late Fee Amount | Up to $25 |
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