Last Updated: 07/28/2025
Members First Credit Union Visa Platinum Share Secured
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
7.75%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
7.75%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
500 - 850
Annual Fee
N/A
Members First Credit Union Visa Platinum Share Secured Review
This is a secured credit card issued by Members First Credit Union. If you're wondering whether Members First Credit Union Visa Platinum Share Secured is the right card for you, read on.
Key Takeaways
- APRs: Members First Credit Union Visa Platinum Share Secured has a variable regular purchase APR of 7.75%
- 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.
- Accepts cosigners. Members First Credit Union is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- 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 First Credit Union Visa Platinum Share Secured
| The Good | The Bad |
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Members First Credit Union Visa Platinum Share Secured FAQ
Does Members First Credit Union Visa Platinum Share Secured have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Members First Credit Union Visa Platinum Share Secured?
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 First Credit Union Visa Platinum Share Secured has a variable purchase APR of 7.75%. The card has a variable balance transfer APR of 7.75% . It also has a variable cash advance APR of 7.75% .
Does Members First Credit Union Visa Platinum Share Secured have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Members First Credit Union Visa Platinum Share Secured 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 First Credit Union Visa Platinum Share Secured?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
Does Members First Credit Union Visa Platinum Share Secured have a foreign transaction fee?
Members First Credit Union Visa Platinum Share Secured 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 support contact email for Members First Credit Union Visa Platinum Share Secured?
The support contact email for Members First Credit Union Visa Platinum Share Secured is mail@mfcu.net.
How do people rate the customer service and user experience of Members First Credit Union Visa Platinum Share Secured?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Members First Credit Union Visa Platinum Share Secured report your account activity to credit bureaus?
Yes, Members First Credit Union Visa Platinum Share 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 First Credit Union perform a hard credit pull?
Yes, Members First Credit Union Visa Platinum Share 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 First Credit Union Visa Platinum Share Secured
- Visit the website of Members First Credit Union Visa Platinum Share 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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Other Credit Cards from Members First Credit Union
Rating not yet determined
Purchase APR
9.59% - 17.9%
Disclaimer popup with additional information
Balance Transfer APR
9.59% - 17.9%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
10.59% - 15.9%
Disclaimer popup with additional information
Balance Transfer APR
10.59% - 15.9%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
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Learn MoreSuperMoney Net Recommendation Score
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