Marine Credit UnionVisa Credit Builder SecuredRegistry illustration · issuer artwork unavailable

Visa Credit Builder SecuredMarine Credit Union · federal credit union, NC · NCUA 12977

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

Open the document Download JSONAdd to compare

Purchase APR

18%

variable

Balance transfer

18%

variable

Cash advance APR

18%

variable

Annual fee

$29

a year

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	18% variableMARINE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“18.00%”MARINE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR for balance transfers	18% variableMARINE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“18.00%”MARINE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
APR for cash advances	18% variableMARINE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“18.00%”MARINE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Penalty APRafter a late or returned payment	—	no source read
Variable APR capthe calculated APR will not exceed this amount	up to 18%	—	—
Paying interestgrace period on new purchases	—	no source read
Annual fee	$29, $29 Annual Fee; Secured by SharesMARINE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“$29 Annual Fee; Secured by Shares”MARINE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Transaction fees
Cash advance	3% of the amount, minimum $10, 3% or $10, whichever is greaterMARINE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“3% or $10, whichever is greater”MARINE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Balance transfer	3% of the amount, minimum $10, 3% or $10, whichever is greaterMARINE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“3% or $10, whichever is greater”MARINE · 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
APR qualificationsBalance transfer · Regular; Cash advance · Regular; Purchase · Regular	*Rates shown are variable and subject to change based on the U.S. Prime Rate. Rates are capped at 18.00% APR. Your specific APR depends on individual creditworthiness and credit union underwriting standards. MARINE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“*Rates shown are variable and subject to change based on the U.S. Prime Rate. Rates are capped at 18.00% APR. Your specific APR depends on individual creditworthiness and credit union underwriting standards.”MARINE · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

4th Quarter_Credit Card Submission_Rate Disclosourepage 1 of 2

Credit Card Rates Disclosure

The information about costs and the Annual Percentage Rate (APR) of the cards described in this disclosure is accurate as of August 1, 2023 . To find out what may have changed since this date, please call 800.225.3967.

Credit Cards · Interest Rates Visa Honor Purchase and Balance Transfers · 13.49% to 18% APR* Visa Value Purchase and Balance Transfers · 13.49% to 18% APR* Visa Platinum Rewards Purchase and Balance Transfers · 14.49% to 18% APR* Visa Cash Back Purchase and Balance Transfers · 14.49% to 18% APR* Visa Signature Purchase and Balance Transfers · 17.49% to 18% APR* Visa Credit Builder Secured Purchase and Balance Transfers · 18.00% APR* Cash Advances · 2% above existing APR

*Rates shown are variable and subject to change. Your rate may vary based on individual creditworthiness and our underwriting standards. This APR will vary with the market based on U.S. Prime Rate. Rates capped at 18%. After a change to the Prime Rate, the new rate will be applied at the start of your next monthly billing cycle.

Penalty APR and When It Applies · 18.00% may be applied to your account if you: (1) Make a late payment (2) Go over your credit limit (3) Make a payment that is returned; or (4) Do any of the above on another account you have with us How long will the Penalty APR apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. If you receive a penalty rate, you will no longer be eligible for rewards benefits. Paying Interest · 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 your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Payment · The minimum payment is the greater of 2% of the total new balance, or $35, or the total new balance if less than $35. If the balance exceeds the limit, the minimum payment is $35 plus the amount over the limit or 2% of the balance, plus the amount over the limit. Credit Card Tips From The Consumer Financial Protection · 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://consumerfinance.gov/learnmore.

1 2No 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.

MARINE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:5a781fd25a35676aaff7d2900727fca8e8558eba744fb439e5602084790ebc5b
“18.00%”
Open source link ↗
MARINE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:5a781fd25a35676aaff7d2900727fca8e8558eba744fb439e5602084790ebc5b
“*Rates shown are variable and subject to change based on the U.S. Prime Rate. Rates are capped at 18.00% APR. Your specific APR depends on individual creditworthiness and credit union underwriting standards.”
Open source link ↗
MARINE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:5a781fd25a35676aaff7d2900727fca8e8558eba744fb439e5602084790ebc5b
“18.00%”
Open source link ↗
MARINE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:5a781fd25a35676aaff7d2900727fca8e8558eba744fb439e5602084790ebc5b
“$29 Annual Fee; Secured by Shares”
Open source link ↗
MARINE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:5a781fd25a35676aaff7d2900727fca8e8558eba744fb439e5602084790ebc5b
“3% or $10, whichever is greater”
Open source link ↗
MARINE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:5a781fd25a35676aaff7d2900727fca8e8558eba744fb439e5602084790ebc5b
“3% or $10, whichever is greater”
Open source link ↗
MARINE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:5a781fd25a35676aaff7d2900727fca8e8558eba744fb439e5602084790ebc5b
“Up to 2.80% of transaction amount”
Additional source detail; structured values remain unknown. Foreign fee is an upper-bound percentage; no maximum-percent fee field is available.
Open source link ↗
MARINE
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:5a781fd25a35676aaff7d2900727fca8e8558eba744fb439e5602084790ebc5b
“Visa® Credit Builder Secured”
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 APR, Cash advance fee, Purchase APR

Offered through: Marine Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 12977
Branches: 15 in NC, SC, VA
Sources: Official issuer · 18 documents · 0 pages cited

Documents

4th Quarter_Credit Card Submission_Rate Disclosoureeffective date not parsedName declaration: Visa Credit Builder Secured · page 1
Consumer CC rateeffective date not parsedName declaration: Visa Credit Builder Secured · page 1
Credit Card Rate Disclosure_1.2023effective date not parsedName declaration: Visa Credit Builder Secured · page 1
Credit card rate disclosure 4.2023effective date not parsedName declaration: Visa Credit Builder Secured · page 1
CREDIT CARD RATE DISCLOSURE_6.30.2025effective date not parsedName declaration: Visa Credit Builder Secured · page 1
Credit Card Rate Disclosure 8_23effective date not parsedName declaration: Visa Credit Builder Secured · page 1
Credit Card Rates Disclosureeffective date not parsedName declaration: Visa Credit Builder Secured · page 1
Credit Card Rates Disclosure_6.1.2023effective date not parsedName declaration: Visa Credit Builder Secured · page 1
CREDIT CARD RATES DISCLOSURE 8.1.2023effective date not parsedName declaration: Visa Credit Builder Secured · page 1
Credit Card Rates Disclosure_8.1.2023effective date not parsedName declaration: Visa Credit Builder Secured · page 1
Credit Card Rate Sheet_Oct 2022effective date not parsedName declaration: Visa Credit Builder Secured · page 1
credit card submission october 2024effective date not parsedName declaration: Visa Credit Builder Secured · page 1
FIRST QUARTER_RATE DISCLOSUREeffective date not parsedName declaration: Visa Credit Builder Secured · page 1
MFCU_CREDIT_CARDS_RATES_DISCLOSUREeffective date not parsedName declaration: Visa Credit Builder Secured · page 1
Q2_2026_Rate_Disclosureeffective date not parsedName declaration: Visa Credit Builder Secured · page 1
Visa Credit Card Rates Disclosureeffective date not parsedName declaration: Visa Credit Builder Secured · page 1
W.CreditCardsDisclosureeffective date not parsedName declaration: Visa Credit Builder Secured · page 1
W.CreditCardsRateDisclosureeffective date not parsedName declaration: Visa Credit Builder Secured · page 1

Visa Credit Builder SecuredMarine Credit Union · federal credit union, NC · NCUA 12977

Rates and fees