USES

Visa Secured from Y-12 Federal Credit Union Review

Visa Secured from Y-12 Federal Credit Union ā€” all information about the credit card.

Updated October 18, 2023
Advertiser Disclosure Our Methodology
Y-12 Federal Credit Union Visa Secured
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Our Rating:
2.97 out of 5
scorer
Recommended credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • This card doesn't offer cash back, miles or points.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    18.00% Variable
  • Balance Transfer APR:
    18.00% Variable
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All benefits

  • Travel
    • Auto Rental Collision Damage Waiver:
    • Reimburses you for damages caused by theft or collision.
    • Travel Accident Insurance:
    • Up to $500,000.
    • Roadside Dispatch:
    • The program provides you with security and convenience wherever your travels take you.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 18.00% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 18.00% Variable
  • APR for Cash Advances
    • 18.00% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $0
  • Return Payment
    • Up to $29
  • Late Payment
    • Up to $25
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • No Foreign Transaction Fee
Cons:
  • No rewards

Features

Classic
Visa
  • No Annual Fee
  • No foreign transaction fees
  • Auto Rental Insurance
  • Poor Credit

About the issuer

Y-12 Federal Credit Union
Y-12 Federal Credit Union has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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4.2 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • $75.00 for the 1st year, $48.00 after
    Annual Fee
  • 35.99%
    Regular APR
  • 1%
    Earn 1% cash back rewards on payments made to your First Access Credit Card.
  • None
    Purchase Intro APR
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Total VisaĀ® Card The Bank of Missouri
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Recommended credit score
score
Rebuilding Credit to Fair (0-669)
  • $75.00 for the 1st year, $48.00 after
    Annual Fee
  • 35.99%
    Regular APR
  • 1%
    Cash Back on all purchases.
  • None
    Purchase Intro APR
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Synovus Bank First Latitude Select MastercardĀ® Secured Credit Card
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Recommended credit score
score
No Credit History to Poor (0-579)
  • $39
    Annual Fee
  • 19.24%
    Regular APR
  • 1%
    Cash Back rewards on payments made to your First Latitude Secured credit card account.
  • None
    Purchase Intro APR
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See Another Credit Cards in the Bank

Y-12 Federal Credit Union Visa Secured is an option for those, who need Classic features. With an APR of 18.00% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have No Credit History to Poor (0-579) credit score. With Y-12 Federal Credit Union Visa Secured you will get such features as No Annual Fee, No foreign transaction fees, Auto Rental Insurance, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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