Last Updated: 07/28/2025
The Infirmary FCU Visa Gold Secured Credit Card
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
18.00%(Verified 06/21/2024)
Balance Transfer APR (Fixed APR)
18.0%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
The Infirmary FCU Visa Gold Secured Credit Card Review
This is a secured credit card issued by The Infirmary Federal Credit Union. If you're wondering whether The Infirmary FCU Visa Gold Secured 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 fixed purchase APR of 18.00%
- 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 3.00% balance transfer fee. The Infirmary FCU Visa Gold Secured Credit Card charges a fee of 3.00% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1.00% 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.
Pros & Cons of The Infirmary FCU Visa Gold Secured Credit Card
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The Infirmary FCU Visa Gold Secured Credit Card FAQ
Does The Infirmary FCU Visa Gold Secured 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 The Infirmary FCU Visa Gold Secured 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.The Infirmary FCU Visa Gold Secured Credit Card has a fixed purchase APR of 18.00%. The card has a fixed balance transfer APR of 18.0% . It also has a fixed cash advance APR of 18.00% .
Does The Infirmary FCU Visa Gold 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 The Infirmary FCU Visa Gold 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 The Infirmary FCU Visa Gold Secured Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 4.0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does The Infirmary FCU Visa Gold Secured Credit Card have a foreign transaction fee?
The Infirmary FCU Visa Gold Secured Credit Card charges a foreign transaction fee of up to 1.00%. 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 The Infirmary FCU Visa Gold Secured Credit Card?
The customer service number for The Infirmary FCU Visa Gold Secured Credit Card is (251) 435-5900.
What is the support contact email for The Infirmary FCU Visa Gold Secured Credit Card?
The support contact email for The Infirmary FCU Visa Gold Secured Credit Card is theinfirmaryfcu@infirmaryhealth.org.
What is the login page for The Infirmary FCU Visa Gold Secured Credit Card?
You can access the login page of The Infirmary FCU Visa Gold Secured Credit Card here.
How do people rate the customer service and user experience of The Infirmary FCU Visa Gold Secured Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does The Infirmary FCU Visa Gold Secured Credit Card report your account activity to credit bureaus?
Yes, The Infirmary FCU Visa Gold Secured Credit Card reports to the following credit bureau:
- Equifax
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 The Infirmary Federal Credit Union perform a hard credit pull?
Yes, The Infirmary FCU Visa Gold Secured 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 The Infirmary FCU Visa Gold Secured Credit Card
- Visit the website of The Infirmary FCU Visa Gold Secured 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.
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Hours of Operation
Sunday
Closed
Monday
7:00AM - 5:00PM
Tuesday
7:00AM - 5:00PM
Wednesday
10:00AM - 5:00PM
Thursday
7:00AM - 5:00PM
Friday
7:00AM - 5:00PM
Saturday
Closed