Secured Card Rates and Pricing

The Secured Credit Card is a great option when you are just establishing your credit or can help those that need to rebuild a solid credit score.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases
18.74% APR
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
18.74%
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
24.99%
This APR will vary with the market based on the Prime Rate.
Paying Interest
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $1.50
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

Fees

Annual Fee
$25
Transaction Fees
Balance Transfer
Either $10 or 4% of the amount of each transfer, whichever is greater.
Cash Advance
Either $10 or 4% of the amount of each cash advance, whichever is greater.
International Transaction
3% of each transaction once converted into U.S. Dollars
Penalty Fees
Late Payment
Up to $35
Returned Payment
Up to $35

Secured Card Rates and Pricing

Annual Percentage Rate (APR) for Purchases

17.99% APR This APR will vary with the market based on the Prime Rate.


APR for Balance Transfers

17.99% APR This APR will vary with the market based on the Prime Rate.


APR for Cash Advances

24.99% – This APR will vary with the market based on the Prime Rate.


Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.


Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.50


For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

Annual Fee - $25

Transaction Fees

Balance Transfer - Either $10 or 4%of the amount of each transfer, whichever is greater.

Cash Advance - Either $10 or 4% of the amount of each cash advance, whichever is greater.

International Transaction - 3% of each transaction once converted into U.S. dollars


Penalty Fees

Late Payment - Up to $25

Returned Payment - Up to $25