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  OE FCU Visa Steel Share Secured Credit Card
OE FCU Visa Steel Share Secured Credit Card Unaffiliated

OE FCU Visa Steel Share Secured Credit Card

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Highlights
Purchase APR 5.98%
Balance Transfer APR 5.98%
Credit Score Range N/A
Annual Fee $0

OE FCU Visa Steel Share Secured Credit Card Review

This is a credit card issued by OE Federal Credit Union. If you're wondering whether OE FCU Visa Steel Share Secured 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.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • Competitive APRs. OE FCU Visa Steel Share Secured Credit Card has a variable purchase APR of 5.98%
  • 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.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
Pros & Cons of OE FCU Visa Steel Share Secured Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • No annual fee.
  • OE FCU Visa Steel Share Secured Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
OE FCU Visa Steel Share Secured Credit Card FAQ

Does OE FCU Visa Steel Share Secured Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the OE FCU Visa Steel Share Secured Credit Card benefits?

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for OE FCU Visa Steel Share Secured 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. This card has lower than average regular APRs.

OE FCU Visa Steel Share Secured Credit Card has a variable purchase APR of 5.98%. The card has a variable balance transfer APR of 5.98% . It also has a variable cash advance APR of 5.98% . Note that late payments are subject to an APR of 17.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does OE FCU Visa Steel Share Secured Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.

OE FCU Visa Steel Share Secured Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 5.98%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does OE FCU Visa Steel Share Secured Credit Card 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 OE FCU Visa Steel Share Secured Credit Card?

The following fees apply:

  • There is no overlimit fee
OE FCU Visa Steel Share Secured Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $25
Late Payment Fee up to $20

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

Does OE FCU Visa Steel Share Secured Credit Card have a foreign transaction fee?

OE FCU Visa Steel Share Secured Credit Card charges a foreign transaction fee of 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 OE FCU Visa Steel Share Secured Credit Card?

The support contact email for OE FCU Visa Steel Share Secured Credit Card is oemail@oefcu.org.

What is the OE FCU Visa Steel Share Secured Credit Card login page?

You can access the OE FCU Visa Steel Share Secured Credit Card login page here.

How do people rate the customer service and user experience of OE FCU Visa Steel Share Secured Credit Card?

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

Does OE FCU Visa Steel Share Secured Credit Card report your account activity to credit bureaus?

Yes, OE FCU Visa Steel Share Secured Credit Card reports your account activity to the following credit reporting agencies:

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 OE FCU Visa Steel Share Secured Credit Card

  • Visit the OE FCU Visa Steel Share Secured 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.

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 8:30am - 5:00pm
  • Tuesday 8:30am - 5:00pm
  • Wednesday 8:30am - 5:00pm
  • Thursday 8:30am - 5:00pm
  • Friday 8:30am - 5:00pm
  • Saturday Closed

About OE FCU Visa Steel Share Secured Credit Card

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View all credit cards offered by OE Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0.01
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $25
Late Fee Amount Up to $20
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Cash Advance APR 5.98%
Balance Computation a method called "average daily balance (including new purchases)."
Penalty APR 17.99%
Purchase APR 5.98%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 5.98%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Secured
Card Network Visa

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