Last Updated: 07/28/2025
Patriot Federal CU Secured VISA® Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
17.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
17.99%(Verified 06/21/2024)
Credit Score Range
550 - 850
Annual Fee
$0
Patriot Federal CU Secured VISA® Credit Card Review
This is a secured credit card issued by Patriot Federal Credit Union. If you're wondering whether Patriot Federal CU Secured VISA® Credit Card 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 of 17.99%
- 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.
- 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 patriot federal credit union
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patriot federal credit union FAQ
Does patriot federal credit union have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for patriot federal credit union?
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.Patriot Federal CU Secured VISA® Credit Card has a variable purchase APR of 17.99%. The card has a variable balance transfer APR of 17.99% . It also has a variable cash advance APR of 17.99% .
Does patriot federal credit union have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 1.99%
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| Balance Transfer APR | 17.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 1.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does patriot federal credit union 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 patriot federal credit union?
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| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does patriot federal credit union have a foreign transaction fee?
patriot federal credit union 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 patriot federal credit union?
The customer service number for patriot federal credit union is (888) 777-9982.
What is the support contact email for patriot federal credit union?
The support contact email for patriot federal credit union is pfcu@patriotfcu.org.
What is the login page for patriot federal credit union?
You can access the login page of patriot federal credit union here.
How do people rate the customer service and user experience of patriot federal credit union?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Patriot Federal CU Secured VISA® Credit Card report your account activity to credit bureaus?
Yes, Patriot Federal CU Secured VISA® Credit Card 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 Patriot Federal Credit Union perform a hard credit pull?
Yes, patriot federal credit union 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 patriot federal credit union
- Visit the website of patriot federal credit union.
- 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.
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Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
8:30AM - 4:30PM
Tuesday
8:30AM - 4:30PM
Wednesday
8:30AM - 4:30PM
Thursday
8:30AM - 4:30PM
Friday
8:30AM - 4:30PM
Saturday
8:30AM - 12:00PM