The Security Service Federal Credit Union offers two classic credit cards–a MasterCard and a Visa. Both of these credit cards have exactly the same terms and rates; however, one is protected by Visa and the other is protected by MasterCard. To qualify for either of these cards, you do have to be a member of the Security Service FCU.
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Applying for membership with the SSFCU is easy. You can learn whether you live in an area that qualifies, or determine if you meet the terms for membership online. In addition, you can apply for membership off-line and open your account with $5 online as well.
About the SSFCU MasterCard Classic Credit Card
Much like its Visa counterpart, this credit card is great for people who have no credit or have had bad credit and are working to reestablish their credit. It also has the option of higher credit lines than most classic credit cards, offering a credit range of $500-$20,000.
Despite the fact that the SSFCU MasterCard Classic card is for people who are trying to establish their credit, it has low starting interest rates and no fees.
In fact, you won’t pay any fees except for if you miss a payment or your payment for the credit card is returned. Your fees for those instances will be based upon your total credit card balance and will not exceed $25.
Rates for the SSFCU MasterCard Classic Credit Card
Again, just like its Visa counterpart, the APR on this credit card is 9.75% for purchases and cash advances and 9.9% for balance transfers. There’s no penalty APR for you to worry about, although you will face the possibility of having your account closed if you miss two consecutive payments or two consecutive payment methods don’t clear.
The APR for the Security Service FCU MasterCard Classic credit card is variable based upon the current prime rate, which is 3.25% at this time. If the credit prime rate changes, then your APR will increase or decrease based upon whether or not the prime rate increases or decreases.
Verdict for the SSFCU MasterCard Classic Credit Card
This isn’t a bad credit card: The only downside is you have to be a member of this credit union in order to apply. In addition, you might find similar terms for rewards credit cards, so you should consider comparing it with other types of credit cards as well.
We can help you do that comparison for FREE with our credit card chaser tool right now!
- Security Service Federal Credit Union Visa Classic Credit Card
- Security Service Federal Credit Union MasterCard Gold Credit Card
- Security Service Federal Credit Union MasterCard Rewards Credit Card
- Security Service Federal Credit Union Visa Gold Credit Card
- CFCU Credit Union Classic Visa
- Robins Federal Credit Union Visa Classic (Variable) Credit Card
- S&T Bank Visa Classic Credit Card