Last Updated: 07/28/2025
Water and Power Community CU Secured Mastercard
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 - 740
Annual Fee
N/A
Water and Power Community CU Secured Mastercard Review
This is a secured credit card issued by Water and Power Community Credit Union. If you're wondering whether Water and Power Community CU Secured Mastercard 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. Water and Power Community CU Secured Mastercard 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.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% 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.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Water and Power Community CU Secured Mastercard
| The Good | The Bad |
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Water and Power Community CU Secured Mastercard FAQ
Does Water and Power Community CU Secured Mastercard 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 Water and Power Community CU Secured Mastercard?
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.Water and Power Community CU Secured Mastercard 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 Water and Power Community CU Secured Mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Water and Power Community CU Secured Mastercard 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 Water and Power Community CU Secured Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
Does Water and Power Community CU Secured Mastercard have a foreign transaction fee?
Water and Power Community CU Secured Mastercard charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 Water and Power Community CU Secured Mastercard?
The customer service number for Water and Power Community CU Secured Mastercard is (800) 300-9728.
What is the login page for Water and Power Community CU Secured Mastercard?
You can access the login page of Water and Power Community CU Secured Mastercard here.
How do people rate the customer service and user experience of Water and Power Community CU Secured Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Water and Power Community CU Secured Mastercard report your account activity to credit bureaus?
Yes, Water and Power Community CU Secured Mastercard 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 Water and Power Community Credit Union perform a hard credit pull?
Yes, Water and Power Community CU Secured Mastercard 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 Water and Power Community CU Secured Mastercard
- Visit the website of Water and Power Community CU Secured Mastercard.
- 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
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
Closed