Classic Secured Visa^®

At TEFCU, we understand that the economic times are difficult and it is just as difficult to qualify for a credit card with lower credit scores. The Classic Secured Visa^® is the perfect card to help rebuild your credit.

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Rates and Fees

Annual Percentage Rate (APR) for Purchases	5.99%*
APR for Balance Transfers	5.99%
APR for Cash Advances	16.99%
Credit Line	Varies**
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay the 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	Either 3% of the remaining credit balance or $20.00, whichever is greater.
Automatic Payment from Savings or Checking Account	Available
For Credit Card Tips from the Consumer Protection Financial 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	$25.00 (Annually)
Transaction Fees	Cash Advance: Either $5.00 or 1% of the amount of each Cash Advance, whichever is greater (maximum fee: $50.00). Foreign Currency: 1% of each transaction after conversion to U.S. dollars.
Other Fees	Late Payment: $15.00 Return Payment: $35.00 Replacement Card: $15.00 Rushed Credit Cards: $35.00
Set-up and Maintenance Fees	Closed Accounts: $36 annually ($43 per month on closed Credit Accounts with an outstanding balance of $20 or more. This fee will not be assessed to your Credit Account in the first 12 months your account is open.) NOTICE: Some of these set-up and maintenance fees will be as-sessed before you begin using your Card and will reduce the amount of credit you initially have available.

* APR = Annual Percentage Rate. APR is subject to change.
** The credit limit established for the Classic Secured Visa® Card will vary depending on the balance that is maintained in a TEFCU Special Savings Share account. The balance of the Special Savings Share account equals the credit limit established for the member's Secured Visa®. TEFCU offers a minimum credit limit of $200.00. Credit limits will be granted in increments of $100.00.

If you have any questions, give one of our Member Services Representatives a call at
(202) 832-5100 or fill out our contact form.