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Banking RegistryReal data. Clear answers.Data as of Oct 13, 2026
Banking RegistryReal data. Clear answers.
Artwork source · F & A Credit Union ↗

Secured Visa®F & A Credit Union · federal credit union, CA · NCUA 1493

CurrentLast observed Oct 13, 2026Source date Oct 13, 2026Official issuerCredit card · Consumer · Visa · securedNetwork stated on issuer websiteFiled as “VISA SHARE SECURED CREDIT CARD”
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Purchase APR
9.90%
fixed
Balance transfer
9.90%
fixed
Cash advance APR
9.90%
fixed
Annual fee
$0.00
a year
Foreign fee
1%
of the amount
Grace period
—

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchases9.90%F & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“9.90%”F & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR for balance transfers9.90%F & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“9.90%”F & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR for cash advances9.90%F & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“9.90%”F & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Penalty APRafter a late or returned payment—no source read
Paying interestgrace period on new purchases—no source read
Annual fee$0.00F & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“$0.00”F & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Transaction fees
Cash advance$0, $0.00F & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“$0.00”F & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Balance transfer$0, $0.00F & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“$0.00”F & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Foreign transaction1% of the amount, 1% of each transaction in U.S. dollarsF & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“1% of each transaction in U.S. dollars”F & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Penalty fees
Late paymentup to $20 — Up to $20F & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“Up to $20”F & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Returned payment—no source read
Other fees$0, $0.00F & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“$0.00”F & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR qualificationsBalance transfer · Regular; Cash advance · Regular; Purchase · RegularLow fixed ratesF & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“Low fixed rates”F & A · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website