Last Updated: 07/28/2025
Pen Air FCU Secured Mastercard Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.90%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
12.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
300 - 550
Annual Fee
$0
Pen Air FCU Secured Mastercard Credit Card Review
This is a secured credit card issued by Pen Air Federal Credit Union. If you're wondering whether Pen Air FCU Secured Mastercard Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Pen Air FCU Secured Mastercard Credit Card has a variable regular purchase APR of 12.90%
- 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.
- 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 Pen Air FCU Secured Mastercard Credit Card
| The Good | The Bad |
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Pen Air FCU Secured Mastercard Credit Card FAQ
Does Pen Air FCU Secured Mastercard Credit Card 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 Pen Air FCU Secured Mastercard Credit Card?
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.Pen Air FCU Secured Mastercard Credit Card has a variable purchase APR of 12.90%. The card has a variable balance transfer APR of 12.9% . It also has a variable cash advance APR of 12.90% .
Does Pen Air FCU Secured Mastercard Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Pen Air FCU Secured Mastercard 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 Pen Air FCU Secured Mastercard Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 Pen Air FCU Secured Mastercard Credit Card?
The customer service number for Pen Air FCU Secured Mastercard Credit Card is (850) 505-3200.
What is the support contact email for Pen Air FCU Secured Mastercard Credit Card?
The support contact email for Pen Air FCU Secured Mastercard Credit Card is marketing@penair.org.
How do people rate the customer service and user experience of Pen Air FCU Secured Mastercard Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Pen Air FCU Secured Mastercard Credit Card report your account activity to credit bureaus?
Yes, Pen Air FCU Secured Mastercard 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 Pen Air Federal Credit Union perform a hard credit pull?
Yes, Pen Air FCU Secured Mastercard Credit Card 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 Pen Air FCU Secured Mastercard Credit Card
- Visit the website of Pen Air FCU Secured Mastercard Credit Card.
- 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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
Other Services by Pen Air Federal Credit Union
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Rating not yet determined
Purchase APR
8.9% - 18%
Disclaimer popup with additional information
Balance Transfer APR
8.9% - 18%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
5.74%
Disclaimer popup with additional information
Balance Transfer APR
5.74%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
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Pen Air FCU Secured Mastercard Credit Card Community Reviews
Would you recommend Pen Air FCU Secured Mastercard Credit Card to your friends?
U
Anonymous
Jan 29, 2022
May or may not recommend
It is not a good idea. It’s not even a real credit card. It didn’t help me one but to get my credit score going. I had never had credit card to my name and thought this was my only choice and no one ever explained it to me or how it worked. To be honest, I still don’t know how it works because I placed $500 of my money ...Show More
Showing 1 of 1 reviews
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