Classic Secured Visa®

How to Apply

Apply online today by logging into your Online Banking account. Click the "Services/Loans" tab, then click "Loan Application", and select "Secured Visa Credit Card" in the dropdown menu.

Terms and Conditions

Rates and Fees Table  
Annual Percentage Rate (APR) for Purchases
APR* for Balance Transfers

APR* for Cash Advances

Credit Line
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
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 
Annual Fee
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 US dollars.
Other Fees
  • Late Payment: $15.00
  • Return Payment: $25.00

*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 $300.00. Credit limits will be granted in increments of $100.00.

Contact Information

Tele-Connect: (202) 526-8414
Cardholder Service: (800) 299-9842
Report Lost/Stolen Card: (800) 299-9842

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