Last Updated: 07/28/2025
WEPCO Federal CU Secured Visa Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 29.24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
Starting at 29.24%(Verified 06/21/2024)
Credit Score Range
670 - 850
Annual Fee
N/A
WEPCO Federal CU Secured Visa Card Review
This is a secured credit card issued by WEPCO Federal Credit Union. If you're wondering whether WEPCO Federal CU Secured Visa 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 starting at 29.24%
- A 3% balance transfer fee. WEPCO Federal CU Secured Visa Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- 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.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of WEPCO Federal CU Secured Visa Card
| The Good | The Bad |
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WEPCO Federal CU Secured Visa Card FAQ
Does WEPCO Federal CU Secured Visa Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Free Credit Score
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for WEPCO Federal CU Secured Visa 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 higher than average regular APRs.WEPCO Federal CU Secured Visa Card has a variable purchase APR starting at 29.24%. The card has a variable balance transfer APR starting at 29.24% . It also has a variable cash advance APR starting at 29.99% .
Does WEPCO Federal CU Secured Visa Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does WEPCO Federal CU Secured Visa 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 WEPCO Federal CU Secured Visa Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
What is the customer service phone number for WEPCO Federal CU Secured Visa Card?
The customer service number for WEPCO Federal CU Secured Visa Card is (800) 292-8139.
What is the support contact email for WEPCO Federal CU Secured Visa Card?
The support contact email for WEPCO Federal CU Secured Visa Card is memberservices@wepcofcu.com.
What is the login page for WEPCO Federal CU Secured Visa Card?
You can access the login page of WEPCO Federal CU Secured Visa Card here.
How do people rate the customer service and user experience of WEPCO Federal CU Secured Visa Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does WEPCO Federal CU Secured Visa Card report your account activity to credit bureaus?
Yes, WEPCO Federal CU Secured Visa 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 WEPCO Federal Credit Union perform a hard credit pull?
Yes, WEPCO Federal CU Secured Visa 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 WEPCO Federal CU Secured Visa Card
- Visit the website of WEPCO Federal CU Secured Visa 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.
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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
8:30AM - 5:00PM
Saturday
Closed