Last Updated: 07/28/2025
Okaloosa County Teachers Secured Mastercard
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 14.64%(Verified 08/21/2024)
Balance Transfer APR (Variable APR)
Starting at 14.64%(Verified 08/21/2024)
Credit Score Range
620 - 850
Annual Fee
$0
Okaloosa County Teachers Secured Mastercard Review
This is a secured credit card issued by Okaloosa County Teachers Federal Credit Union. If you're wondering whether Okaloosa County Teachers Secured Mastercard is the right card for you, read on.
Key Takeaways
- 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.
- A 2% balance transfer fee. Okaloosa County Teachers Secured Mastercard charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees.
- 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.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Okaloosa County Teachers Secured Mastercard
| The Good | The Bad |
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Okaloosa County Teachers Secured Mastercard FAQ
Does Okaloosa County Teachers Secured Mastercard have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Okaloosa County Teachers Secured Mastercard?
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.Okaloosa County Teachers Secured Mastercard has a variable purchase APR starting at 14.64%. The card has a variable balance transfer APR starting at 14.64% . It also has a variable cash advance APR starting at 14.64% .
Does Okaloosa County Teachers Secured Mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Okaloosa County Teachers Secured Mastercard 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 Okaloosa County Teachers Secured Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for Okaloosa County Teachers Secured Mastercard?
The customer service number for Okaloosa County Teachers Secured Mastercard is (850) 682-2225.
What is the support contact email for Okaloosa County Teachers Secured Mastercard?
The support contact email for Okaloosa County Teachers Secured Mastercard is contactus@okaloosafcu.org.
How do people rate the customer service and user experience of Okaloosa County Teachers Secured Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Okaloosa County Teachers Secured Mastercard report your account activity to credit bureaus?
Yes, Okaloosa County Teachers Secured Mastercard 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 Okaloosa County Teachers Federal Credit Union perform a hard credit pull?
Yes, Okaloosa County Teachers Secured Mastercard 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 Okaloosa County Teachers Secured Mastercard
- Visit the website of Okaloosa County Teachers Secured Mastercard.
- 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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Hours of Operation
SundayClosedMonday8:30AM - 4:45PMTuesday8:30AM - 4:45PMWednesday8:30AM - 4:45PMThursday8:30AM - 4:45PMFriday8:30AM - 5:15PMSaturdayClosed
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Other Credit Cards from Okaloosa County Teachers Federal Credit Union
Rating not yet determined
Purchase APR
14.64%
Disclaimer popup with additional information
Balance Transfer APR
14.64%
Disclaimer popup with additional information
Credit Score Range
620 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 13.15%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 13.15%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.64%
Disclaimer popup with additional information
Balance Transfer APR
14.64%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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