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Last Updated: 07/28/2025

Members 1st Federal Credit Union VISA Platinum Secured

from Members 1st Federal Credit Union

Last Updated: 07/28/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Members 1st Federal Credit Union VISA Platinum Secured logo
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Highlights

Purchase APR (Fixed APR)

Starting at 18.00%(Verified 06/21/2024)
Disclaimer popup with additional information

Balance Transfer APR (Fixed APR)

Starting at 18.00%(Verified 06/21/2024)
Disclaimer popup with additional information

Credit Score Range

600 - 850

Annual Fee

Starting at $25

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Members 1st Federal Credit Union VISA Platinum Secured Review

This is a secured credit card issued by Members 1st Federal Credit Union. If you're wondering whether Members 1st Federal Credit Union VISA Platinum Secured 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 starting at 18.00%
  • A 1% balance transfer fee. Members 1st Federal Credit Union VISA Platinum Secured charges a fee of 1% on balance transfers. For example, a balance of $1,000 could cost $10 in transfer fees.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • 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.
  • Poor credit accepted. This card will consider people who have poor credit.

Pros & Cons of Members 1st Federal Credit Union VISA Platinum Secured

Members 1st Federal Credit Union VISA Platinum Secured FAQ

Does Members 1st Federal Credit Union VISA Platinum Secured have a cash back or rewards program?

No, it does not offer a rewards program.

How do people rate the customer service and user experience of Members 1st Federal Credit Union VISA Platinum Secured?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Members 1st Federal Credit Union VISA Platinum Secured report your account activity to credit bureaus?

Yes, Members 1st Federal Credit Union VISA Platinum Secured 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 Federal Credit Union perform a hard credit pull?

Yes, Members 1st Federal Credit Union VISA Platinum Secured 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 Federal Credit Union VISA Platinum Secured

  • Visit the website of Members 1st Federal Credit Union VISA Platinum Secured.
  • 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

Headquarters

5000 Louise Dr
Mechanicsburg, PA 17055
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:30PM
Friday
7:30AM - 6:00PM
Saturday
8:30AM - 2:00PM

Other Services by Members 1st Federal Credit Union

Personal Loans

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Other Credit Cards from Members 1st Federal Credit Union

Members 1st Federal Credit Union VISA Platinum Low Rate logo
Rating not yet determined
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Purchase APR

8.75% - 16.75%
Disclaimer popup with additional information

Balance Transfer APR

8.75% - 16.75%
Disclaimer popup with additional information

Credit Score Range

600 - 850

300

850

Annual Fee

$0
Visit Site

Members 1st Federal Credit Union VISA Platinum Rewards logo

Purchase APR

12.00% - 18.00%
Disclaimer popup with additional information

Balance Transfer APR

12.00% - 18.00%
Disclaimer popup with additional information

Credit Score Range

600 - 850

300

850

Annual Fee

$0

Members 1st Federal Credit Union VISA Signature Rewards logo

Purchase APR

12% - 18%
Disclaimer popup with additional information

Balance Transfer APR

12% - 18%
Disclaimer popup with additional information

Credit Score Range

650 - 850

300

850

Annual Fee

$0

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

0

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Members 1st Federal Credit Union VISA Platinum Secured Community Reviews

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