Last Updated: 07/28/2025
Treasury Department FCU MasterCard Secured Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
9.90% - 13.40%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
9.90% - 13.40%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Treasury Department FCU MasterCard Secured Credit Card Review
This is a secured credit rewards card issued by Treasury Department Federal Credit Union. If you're wondering whether Treasury Department FCU MasterCard Secured Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Treasury Department FCU MasterCard Secured Credit Card has a variable regular purchase APR that ranges from 9.90% up to 13.40%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- No intro balance transfer fee. Treasury Department FCU MasterCard Secured Credit Card does not charge a fee on balance transfers, that are made within 180 days of opening the account.
- 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.
- Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, price protection, and fraud protection.
Pros & Cons of Treasury Department FCU MasterCard Secured Credit Card
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Treasury Department FCU MasterCard Secured Credit Card FAQ
Does Treasury Department FCU MasterCard Secured Credit Card have a cash back or rewards program?
Treasury Department FCU MasterCard Secured Credit Card is a rewards card.
| Description |
Does Treasury Department FCU MasterCard Secured Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Treasury Department FCU MasterCard Secured Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Treasury Department FCU MasterCard Secured Credit Card benefits?
Treasury Department FCU MasterCard Secured Credit Card provides the following benefits:
- Extended Warranty Protection
- Zero fraud liability
- Price Protection
- Reports to major credit bureaus
What are the relevant APRs for Treasury Department FCU MasterCard 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.Treasury Department FCU MasterCard Secured Credit Card has a variable purchase APR that ranges from 9.90% up to 13.40%. The card has a variable balance transfer APR that ranges from 9.90% up to 13.40%. It also has a variable cash advance APR that ranges from 10.90% up to 14.40%.
Note that late payments are subject to an APR of 16% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Treasury Department FCU MasterCard Secured Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 6.99% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 9.90% - 13.40% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 6.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 180 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee % | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee Period | 0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Treasury Department FCU MasterCard Secured Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 4.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 4.99% on qualified purchases for a period of 6 months.
What are the fees for Treasury Department FCU MasterCard Secured Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 2.5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Treasury Department FCU MasterCard Secured Credit Card have a foreign transaction fee?
Treasury Department FCU MasterCard Secured Credit Card 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 Treasury Department FCU MasterCard Secured Credit Card?
The customer service number for Treasury Department FCU MasterCard Secured Credit Card is (800) 344-4497.
What is the support contact email for Treasury Department FCU MasterCard Secured Credit Card?
The support contact email for Treasury Department FCU MasterCard Secured Credit Card is socialmedia@tdfcu.com.
What is the login page for Treasury Department FCU MasterCard Secured Credit Card?
You can access the login page of Treasury Department FCU MasterCard Secured Credit Card here.
How do people rate the customer service and user experience of Treasury Department FCU MasterCard Secured Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Treasury Department FCU MasterCard Secured Credit Card report your account activity to credit bureaus?
Yes, Treasury Department FCU MasterCard 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 Treasury Department Federal Credit Union perform a hard credit pull?
Yes, Treasury Department FCU MasterCard 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 Treasury Department FCU MasterCard Secured Credit Card
- Visit the website of Treasury Department FCU MasterCard 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 - 4:30PM
Tuesday
9:00AM - 4:30PM
Wednesday
9:00AM - 4:30PM
Thursday
9:00AM - 4:30PM
Friday
9:00AM - 4:30PM
Saturday
Closed