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  MembersFirst Credit Union VISA Secured

MembersFirst Credit Union VISA Secured

in Personal Credit Cards from MembersFirst Credit Union

Unaffiliated

MembersFirst Credit Union VISA Secured

Unaffiliated

in Personal Credit Cards from MembersFirst Credit Union

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Highlights
Purchase APR  (Fixed APR) 14.88%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 350 - 600
Annual Fee $15

MembersFirst Credit Union VISA Secured Review

This is a secured credit card credit card issued by MembersFirst Credit Union. If you're wondering whether MembersFirst Credit Union VISA Secured 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
  • Competitive APRs. MembersFirst Credit Union VISA Secured has a fixed purchase APR of 14.88%
  • 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, identity theft protection, travel accident insurance, and fraud protection.
  • 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 MembersFirst Credit Union VISA Secured
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Considers applicants with fair or poor credit.
  • MembersFirst Credit Union VISA Secured reports to multiple credit bureaus.
  • Charges an annual fee of $15
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
MembersFirst Credit Union VISA Secured FAQ

Does MembersFirst Credit Union VISA Secured have a cash back or rewards program?

No, it does not offer a rewards program.

What are the MembersFirst Credit Union VISA Secured benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for MembersFirst Credit Union VISA Secured?

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 of 14.88%. It also has a fixed cash advance APR of 14.88% .

Does MembersFirst Credit Union VISA Secured have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does MembersFirst Credit Union VISA 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 MembersFirst Credit Union VISA Secured?

The following fees apply:

MembersFirst Credit Union VISA Secured Fees
Fees Amount
Annual Fee $15
Late Payment Fee up to $30

What is the customer service phone number for MembersFirst Credit Union VISA Secured?

The MembersFirst Credit Union VISA Secured customer service number is .

What is the support contact email for MembersFirst Credit Union VISA Secured?

The support contact email for MembersFirst Credit Union VISA Secured is feedback@membersfirstga.com.

Does MembersFirst Credit Union VISA Secured report your account activity to credit bureaus?

Yes, MembersFirst Credit Union VISA Secured 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 MembersFirst Credit Union VISA Secured

  • Visit the MembersFirst Credit Union VISA Secured 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 9:00am - 4:30pm
  • Tuesday 9:00am - 4:30pm
  • Wednesday 10:00am - 4:30pm
  • Thursday 9:00am - 4:30pm
  • Friday 9:00am - 4:30pm
  • Saturday 9:00am - 1:00pm

Other Services by MembersFirst Credit Union

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Availability

  Available in 1 state
Georgia
Availabile in all of Georgia

Feature Breakdown

Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $25
Cash Advance Fee (%) 3%
Minimum Cash Advance Fee ($) Up to $25
Annual Fee $15
Late Fee Amount Up to $30
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
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 350 - 600
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 14.88%
Balance Computation Average Daily Balance (including new purchases).
Purchase APR (Fixed APR) 14.88%
Card Type
  • Secured
Card Network Visa

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