SuperMoney
  McCoy Federal Credit Union Share Secured Credit Card

McCoy Federal Credit Union Share Secured Credit Card

in Personal Credit Cards from McCoy Federal Credit Union

Unaffiliated

McCoy Federal Credit Union Share Secured Credit Card

Unaffiliated

in Personal Credit Cards from McCoy Federal Credit Union

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend McCoy Federal Credit Union Share Secured Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
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 credit 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. This review will provide you with with all the details you need to make a good choice.

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 good approval odds.
Pros & Cons of McCoy Federal Credit Union Share Secured Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on purchases everywhere McCoy Federal Credit Union Share Secured Credit Card is accepted.
  • McCoy Federal Credit Union Share Secured Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1.5%.
  • Does not include many credit card benefits.
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.

McCoy Federal Credit Union Share Secured Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit 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. It has lower than average regular APRs.

It 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
McCoy Federal Credit Union Share Secured Credit Card Fees
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.

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.

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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 6:00am - 2:00am
  • Tuesday 6:00am - 2:00am
  • Wednesday 6:00am - 2:00am
  • Thursday 6:00am - 2:00am
  • Friday 6:00am - 3:00am
  • Saturday Closed

Other Services by McCoy Federal Credit Union

Icon for Personal Credit Cards
View all personal credit cards offered by McCoy Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Every Purchase (Points) Starting at 1
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
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%
Returned Payment Fee Up to $25
Paper Statement Fee $5
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) Starting at 15.5%
Balance Computation Average Daily Balance (including new purchases)
Credit Limit $1,000 - $10,000
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) Starting at 15.5%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer APR (Variable APR) Starting at 15.5%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Secured
Card Network Visa

Be the first to rate

 

Would you recommend McCoy Federal Credit Union Share Secured Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Personal Credit Cards

McCoy Federal Credit Union Personal Credit Cards

Loading...