Members First Credit Union Texas Secured Visa Credit Card Review

This is a secured credit card credit card issued by Members First Credit Union - Texas. If you're wondering whether Members First Credit Union Texas Secured Visa 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.

• Competitive APRs. Members First Credit Union Texas Secured Visa Credit Card has a fixed purchase APR that ranges from 13.9% up to 17.9%.
• 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.
• 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.

The Good	The Bad
Lower than average purchase APRs. No annual fee. Identity Theft Protection. Considers applicants with fair or poor credit. Members First Credit Union Texas Secured Visa Credit Card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card benefits.

Does Members First Credit Union Texas Secured Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Members First Credit Union Texas Secured Visa Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Members First Credit Union Texas Secured Visa 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 fixed purchase APR that ranges from 13.9% up to 17.9%.

What are the fees for Members First Credit Union Texas Secured Visa Credit Card?

The following fees apply:

Members First Credit Union Texas Secured Visa Credit Card Fees

Fees	Amount
Annual Fee	$0

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Members First Credit Union Texas Secured Visa Credit Card report your account activity to credit bureaus?

Yes, Members First Credit Union Texas Secured Visa 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 Members First Credit Union Texas Secured Visa Credit Card

• Visit the Members First Credit Union Texas Secured Visa 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.