First Community Credit Union Visa Classic Secured Credit Card

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First Community Credit Union Visa Classic Secured Credit Card

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The First Community Credit Union Visa Classic Secured Credit Card is the only secured card offered by First Community, and is one of four different credit cards available. First Community Credit Union (FCCU) is based outside of St. Louis, MO, and has several different locations and branches available to its customers.

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First Community Credit Union offers many different banking products in addition to credit cards. These include checking accounts, savings accounts, loans, and business banking. If you are looking for a unsecured credit card, FCCU offers a Visa Platinum and a Visa Gold card, among others.

First Community CU Visa Classic Secured Credit Card Details

While most secured credit cards offers a high annual percentage rate, the First Community Credit Union Visa Secured Card offers a rate of 9.9%.

Your credit card limit is based on your initial deposit. As an example, if you send in $1,000 to open the Visa Classic Secured Card, your credit limit it $1,000. Remember that with a secured credit card, you are borrowing your own money and paying interest on it to the bank or credit union.

To learn more about secured credit cards, the associated fees, risks and benefits, visit the Consumer Action website.

FCCU Visa Classic Secured Credit Card Costs and Fees

The FCCU Visa Classic Secured Card offers no annual fee, and has limited fees for other situations, such as a $10 fee for a payment that is late or a similar $10 fee for a returned payment.

The secured Visa card from FCCU does not offer a promotional rate like other FCCU cards. However, this is most likely because secured cards are designed for individuals who want to improve or build their credit, such as a student.

First Community Credit Union offers customers 24 hour a day and 7 day a week access to their credit card account online. On this site, you can see your balance, download statements, make your payment, set up a future payment, and contact customer service.

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