First Commonwealth BankSECURED CARDRegistry illustration · issuer artwork unavailable

SECURED CARDFirst Commonwealth Bank · NM bank, OH · FDIC 7468

CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · ConsumerFiled as “FIRST COMMONWEALTH SECURED CARD”

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Purchase APR

—

Balance transfer

—

Cash advance APR

18.49%–21.49%

p.1variable

Annual fee

—

Foreign fee

p.1of the amount

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 transfers	—	no source read
APR for cash advances	18.49%–21.49% variableFirst Commonwealth Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“18.49% - 21.49% , based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. b”First Commonwealth Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	3% of the amount, minimum $1First Commonwealth Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“3% of each transaction in US dollars; $1 minimum”First Commonwealth Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty fees
Late payment	up to $25First Commonwealth Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $25”First Commonwealth Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Returned payment	—	no source read

Secured Cardmember Agreement fcb.com 260105page 1 of 14

CARDMEMBER AGREEMENT FIRST COMMONWEALTH SECURED CARD

Pricing Information

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases and Balance Transfers · 15.49% - 18.49% , based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. a APR for Cash Advances · 18.49% - 21.49% , based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. b How to Avoid Paying Interest on Purchases · Your due date is at least 25 days after the close of each billing cycle. Wewill not charge you interest on purchases if you pay your entire balance by the due date each month. Wewill begin charging interest on balance transfers and cash advances on the transaction date. Minimum Interest Charge · If you are charged interest, the charge will be no less than $0.50 . 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 Annual Fee · $25 Transaction Fees Balance Transfer · No balance transfer fee for the first three months the account is open. After that, $5 or 3% of the transfer, whichever is greater Either $5 or 3% of the cash advance, whichever is greater Cash Advance Foreign Transaction · 3% of each transaction in US dollars; $1 minimum Penalty Fees Late Payment · Up to $25 Return Payment · Up to $30

a We add 8.74% - 11.74% to the Prime Rate to determine the Purchase/Balance Transfer APR. Maximum APR 35.00%.

b We add 11.74% - 14.74% to the Prime Rate to determine the Cash Advance APR. Maximum APR 35.00%.

How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases).' See this agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in this agreement.

1 2 3 4 5 6 7 8 9 10 11 12 13 14Pages 1 and 5 are cited

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.

First Commonwealth Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“18.49% - 21.49% , based on your credit worthiness. These APRs will vary with the market based on the Prime Rate. b”
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First Commonwealth Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“3% of each transaction in US dollars; $1 minimum”
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First Commonwealth Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $25”
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First Commonwealth Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If you are charged interest, the charge will be no less than $0.50 .”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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First Commonwealth Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 5
“There's no grace period on Balance Transfers and Cash Advances. This means you'll pay interest on Balance Transfers and Cash Advances from the date these Transactions post to your Account.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
First Commonwealth Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 5
“There's no grace period on Balance Transfers and Cash Advances. This means you'll pay interest on Balance Transfers and Cash Advances from the date these Transactions post to your Account.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Cash advance APR, Foreign transaction fee, Late payment fee

Offered through: First Commonwealth Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 7468
Branches: 129 in OH, PA
Sources: Official issuer · 1 document · 2 pages cited

Documents

Secured Cardmember Agreement fcb.com 260105effective date not parsed

SECURED CARDFirst Commonwealth Bank · NM bank, OH · FDIC 7468

Rates and fees