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

OE FCU Steel Share Secured Credit Card

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Highlights
Purchase APR  (Variable APR) 8.98
Balance Transfer APR  (Variable APR) 8.98
Credit Score Range 500 - 850
Annual Fee $0

OE FCU Steel Share Secured Credit Card Review

This is a secured credit card rewards credit card issued by OE Federal Credit Union. If you're wondering whether OE FCU 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
  • Competitive APRs. OE FCU Steel Share Secured Credit Card has a variable purchase APR of 8.98%
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 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.
  • 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 relatively good approval odds.
Pros & Cons of OE FCU Steel Share Secured Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on purchases everywhere OE FCU Steel Share Secured Credit Card is accepted.
  • OE FCU Steel Share Secured Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Does not include many credit card benefits.
OE FCU Steel Share Secured Credit Card FAQ

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

OE FCU Steel Share Secured Credit Card is a rewards card.

OE FCU Steel Share Secured Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does OE FCU Steel Share Secured Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does OE FCU Steel Share Secured Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the relevant APRs for OE FCU 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 Steel Share Secured Credit Card has a variable purchase APR of 8.98%. The card has a variable balance transfer APR of 8.98% . It also has a variable cash advance APR of 8.98% . 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 Steel Share Secured Credit Card have an intro APR offer on balance transfers?

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

Does OE FCU 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 Steel Share Secured Credit Card?

The following fees apply:

  • There is no overlimit fee
OE FCU 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 rewards card.

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

OE FCU 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 Steel Share Secured Credit Card?

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

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

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

How do people rate the customer service and user experience of OE FCU 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 Steel Share Secured Credit Card report your account activity to credit bureaus?

Yes, OE FCU Steel Share Secured 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 OE FCU Steel Share Secured Credit Card

  • Visit the OE FCU 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 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
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 8.98
Balance Computation a method called "average daily balance (including new purchases)."
Penalty APR (Variable APR) 17.99
Purchase APR (Variable APR) 8.98
Balance Transfer APR (Variable APR) 8.98
Card Type
  • Rewards
  • Secured
Card Network Visa

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