Artwork source · Fedex Employees Credit Association Credit Union ↗

VISA Secured CardFedex Employees Credit Association Credit Union · federal credit union, AR · NCUA 21751

CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer · Visa · securedNetwork stated on issuer website

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Purchase APR

—

Balance transfer

2.90% for 12 mo

no ongoing rate filed

Cash advance APR

—

Annual fee

No annual fees

a year

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfersintroductory rate first	2.90%FEDEX EMPLOYEES CREDIT ASSOCIATION · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“2.90% (12 Months)”FEDEX EMPLOYEES CREDIT ASSOCIATION · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	No annual feesFEDEX EMPLOYEES CREDIT ASSOCIATION · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No annual fees”FEDEX EMPLOYEES CREDIT ASSOCIATION · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Transaction fees
Cash advance	$0, No cash advance feesFEDEX EMPLOYEES CREDIT ASSOCIATION · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No cash advance fees”FEDEX EMPLOYEES CREDIT ASSOCIATION · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Balance transfer	$0, No balance transfer feesFEDEX EMPLOYEES CREDIT ASSOCIATION · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“No balance transfer fees”FEDEX EMPLOYEES CREDIT ASSOCIATION · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
Opening conditions	A refundable deposit is required to be held in a secured savings account. The Secured Visa card’s limit is the same amount as your security deposit. The security deposit also allows us to provide the card with a low-interest rate.FEDEX EMPLOYEES CREDIT ASSOCIATION · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“A refundable deposit is required to be held in a secured savings account. The Secured Visa card’s limit is the same amount as your security deposit. The security deposit also allows us to provide the card with a low-interest rate.”FEDEX EMPLOYEES CREDIT ASSOCIATION · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR qualificationsBalance transfer · Introductory	2.90% (12 Months)FEDEX EMPLOYEES CREDIT ASSOCIATION · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“2.90% (12 Months)”FEDEX EMPLOYEES CREDIT ASSOCIATION · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

Visa Credit Card Agreement and Disclosurepage 1 of 3

INTEREST RATES AND INTEREST CHARGES ANNUAL PERCENTAGE RATE for Purchases · {} VISA Secured 6.50% {} VISA Classic 8.90% – 18.00% ** ANNUAL PERCENTAGE RATE for Balance Transfers · {} VISA Secured 2.90% Promotional APR for 12 months. After that, your APR will be 6.50% {} VISA Classic 2.90% Promotional APR for 12 months. After that, your APR will be 8.90% – 18.00% ** ANNUAL PERCENTAGE RATE for Cash Advances · {} VISA Secured 6.50% {} VISA Classic 8.90% – 18.00% ** How To Avoid Paying Interest on Payments · Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge · If you are charged interest, the charge will be no less than $.50. 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 http://www.consumerfinance.gov./learnmore FEES Set-up And Maintenance Fees Annual Fee · NONE Transaction Fees Balance Transfer Fee Foreign Transaction Fees · NONE 1% of transaction amount/foreign Penalty Fees Late Payment Returned Payment · Up to $25.00 Up to $30.00 How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases)”. See your agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your agreement. **ANNUAL PERCENTAGE RATE is based on your credit history.

1 2 3No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

FEDEX EMPLOYEES CREDIT ASSOCIATION
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:832b18e27501b4e3918c5463972d6ef5dc0b1fce537af255064015923d3b0fea
“2.90% (12 Months)”
Open source link ↗
FEDEX EMPLOYEES CREDIT ASSOCIATION
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:832b18e27501b4e3918c5463972d6ef5dc0b1fce537af255064015923d3b0fea
“No annual fees”
Open source link ↗
FEDEX EMPLOYEES CREDIT ASSOCIATION
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:832b18e27501b4e3918c5463972d6ef5dc0b1fce537af255064015923d3b0fea
“No balance transfer fees”
Open source link ↗
FEDEX EMPLOYEES CREDIT ASSOCIATION
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:832b18e27501b4e3918c5463972d6ef5dc0b1fce537af255064015923d3b0fea
“No cash advance fees”
Open source link ↗
FEDEX EMPLOYEES CREDIT ASSOCIATION
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:832b18e27501b4e3918c5463972d6ef5dc0b1fce537af255064015923d3b0fea
“A refundable deposit is required to be held in a secured savings account. The Secured Visa card’s limit is the same amount as your security deposit. The security deposit also allows us to provide the card with a low-interest rate.”
Open source link ↗
FEDEX EMPLOYEES CREDIT ASSOCIATION
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:832b18e27501b4e3918c5463972d6ef5dc0b1fce537af255064015923d3b0fea
“6.50%”
Additional source detail; structured values remain unknown. The 6.50% fixed APR has no stated transaction purpose; purchase, cash-advance, or balance-transfer applicability cannot be inferred.
Open source link ↗
FEDEX EMPLOYEES CREDIT ASSOCIATION
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:832b18e27501b4e3918c5463972d6ef5dc0b1fce537af255064015923d3b0fea
“Secured Visa Credit Card”
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee, Balance transfer APR, Balance transfer fee, Cash advance fee

Offered through: Fedex Employees Credit Association Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 21751
Branches: 10 in AR, CA, IN, PA, TN, TX
Sources: Official issuer · 1 document · 0 pages cited

Documents

Visa Credit Card Agreement and Disclosureeffective date not parsedName declaration: VISA Secured Card · page 2

VISA Secured CardFedex Employees Credit Association Credit Union · federal credit union, AR · NCUA 21751

Rates and fees