Last Updated: 04/18/2025
Members 1st Credit Union Share Secured Visa
Unaffiliated
in Credit Cards from Members 1st Credit Union
Last Updated: 04/18/2025
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Highlights
Purchase APR (Fixed APR)
18.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
18.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
350 - 600
Annual Fee
$0
Members 1st Credit Union Share Secured Visa Review
This is a card issued by Members 1st Credit Union. If you're wondering whether Members 1st Credit Union Share Secured Visa 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 fixed purchase APR of 18.99%
- 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 2.50%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, identity theft protection, purchase security, trip cancellation and interruption protection, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Members 1st Credit Union Share Secured Visa
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Members 1st Credit Union Share Secured Visa FAQ
Does Members 1st Credit Union Share Secured Visa have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Trip Cancellation Insurance
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Members 1st Credit Union Share Secured Visa?
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.Members 1st Credit Union Share Secured Visa has a fixed purchase APR of 18.99%. The card has a fixed balance transfer APR of 18.99% . It also has a fixed cash advance APR of 18.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Members 1st Credit Union Share Secured Visa have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 4.99% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 18.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 4.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 2.50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Members 1st Credit Union Share Secured Visa 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 Members 1st Credit Union Share Secured Visa?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $26 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Members 1st Credit Union Share Secured Visa have a foreign transaction fee?
Members 1st Credit Union Share Secured Visa charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 Members 1st Credit Union Share Secured Visa?
The customer service number for Members 1st Credit Union Share Secured Visa is .
What is the support contact email for Members 1st Credit Union Share Secured Visa?
The support contact email for Members 1st Credit Union Share Secured Visa is updates@m1cu.org.
What is the login page for Members 1st Credit Union Share Secured Visa?
You can access the login page of Members 1st Credit Union Share Secured Visa here.
How do people rate the customer service and user experience of Members 1st Credit Union Share Secured Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Members 1st Credit Union Share Secured Visa report your account activity to credit bureaus?
Yes, Members 1st Credit Union Share Secured Visa 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 Members 1st Credit Union perform a hard credit pull?
Yes, Members 1st Credit Union Share Secured Visa 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 Members 1st Credit Union Share Secured Visa
- Visit the website of Members 1st Credit Union Share Secured Visa.
- 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 - 5:30PM
Tuesday
9:00AM - 5:30PM
Wednesday
9:00AM - 5:30PM
Thursday
9:00AM - 5:30PM
Friday
9:00AM - 5:30PM
Saturday
9:00AM - 5:30PM