Last Updated: 07/28/2025
Transit Employees FCU Classic Secured Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
15.99%(Verified 06/21/2024)
Balance Transfer APR (Fixed APR)
15.99%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$25
Transit Employees FCU Classic Secured Credit Card Review
This is a secured credit card issued by Transit Employees Federal Credit Union. If you're wondering whether Transit Employees FCU Classic Secured Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Transit Employees FCU Classic Secured Credit Card has a fixed purchase APR of 15.99%
- 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 Transit Employees FCU Classic Secured Credit Card
| The Good | The Bad |
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Transit Employees FCU Classic Secured Credit Card FAQ
Does Transit Employees FCU Classic 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 Transit Employees FCU Classic 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.Transit Employees FCU Classic Secured Credit Card has a fixed purchase APR of 15.99%. The card has a fixed balance transfer APR of 15.99% . It also has a fixed cash advance APR of 18.00% .
Does Transit Employees FCU Classic 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 Transit Employees FCU Classic 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 Transit Employees FCU Classic Secured Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $15.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 1.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $25.00.
There is a late fee of up to $15.00 . Does Transit Employees FCU Classic Secured Credit Card have a foreign transaction fee?
Transit Employees FCU Classic 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 Transit Employees FCU Classic Secured Credit Card?
The customer service number for Transit Employees FCU Classic Secured Credit Card is (301) 289-9800.
What is the login page for Transit Employees FCU Classic Secured Credit Card?
You can access the login page of Transit Employees FCU Classic Secured Credit Card here.
How do people rate the customer service and user experience of Transit Employees FCU Classic Secured Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Transit Employees FCU Classic Secured Credit Card report your account activity to credit bureaus?
Yes, Transit Employees FCU Classic Secured 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 Transit Employees Federal Credit Union perform a hard credit pull?
Yes, Transit Employees FCU Classic 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 Transit Employees FCU Classic Secured Credit Card
- Visit the website of Transit Employees FCU Classic 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
9:00AM - 3:00PM
Tuesday
9:00AM - 3:00PM
Wednesday
9:00AM - 3:00PM
Thursday
9:00AM - 3:00PM
Friday
9:00AM - 3:00PM
Saturday
Closed