Last Updated: 07/28/2025
Michigan First Credit Union Secured Visa
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 19.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 19.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
500 - 850
Annual Fee
Starting at $50
Michigan First Credit Union Secured Visa Review
This is a secured credit card issued by Michigan First Credit Union. If you're wondering whether Michigan First Credit Union 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 variable regular purchase APR starting at 19.99%
- 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.
- 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 Michigan First Credit Union Secured Visa
| The Good | The Bad |
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Michigan First Credit Union Secured Visa FAQ
Does Michigan First Credit Union Secured Visa have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Michigan First Credit Union 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.Michigan First Credit Union Secured Visa has a variable purchase APR starting at 19.99%. The card has a variable balance transfer APR starting at 19.99% . It also has a variable cash advance APR starting at 19.99% .
Does Michigan First Credit Union Secured Visa have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Michigan First Credit Union 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 Michigan First Credit Union Secured Visa?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee as low as $50.
Does Michigan First Credit Union Secured Visa have a foreign transaction fee?
Michigan First Credit Union 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 Michigan First Credit Union Secured Visa?
The customer service number for Michigan First Credit Union Secured Visa is (800) 644-3828.
What is the support contact email for Michigan First Credit Union Secured Visa?
The support contact email for Michigan First Credit Union Secured Visa is help@michiganfirst.com.
How do people rate the customer service and user experience of Michigan First Credit Union Secured Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Michigan First Credit Union Secured Visa report your account activity to credit bureaus?
Yes, Michigan First Credit Union 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 Michigan First Credit Union perform a hard credit pull?
Yes, Michigan First Credit Union 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 Michigan First Credit Union Secured Visa
- Visit the website of Michigan First Credit Union 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.
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.
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Purchase APR
7.99% - 19.99%
Disclaimer popup with additional information
Balance Transfer APR
7.99% - 19.99%
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Credit Score Range
650 - 850
300
850
Annual Fee
$0
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