Pennsylvania State Employees Credit UnionSecured Visa® CardRegistry illustration · issuer artwork unavailable
Secured Visa® CardPennsylvania State Employees Credit Union · state credit union, PA · NCUA 64131
CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer · secured
Purchase APR
Cash advance APR
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Foreign fee
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Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchasesintroductory rate first | |||
| Introductory, 12 months | 0%PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “APR denotes Annual Percentage Rate. PSECU is offering an introductory rate of 0.00% APR for purchases made with newly acquired Visa Classic Card, Visa Alumni Classic Card, and Secured Visa credit cards opened by members between 10/1/2026 and 12/31/2026. To activate the introductory rate, your first purchase must post to your …”PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| 9.90%PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “9.90% APR”PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website | |
| APR for balance transfersintroductory rate first | |||
| Introductory | 0%PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “PSECU is offering a promotional rate of 0.00% APR on all Visa balance transfers that post to your account on 10/1/2026 through 12/31/2026 (“promotional period”). Any Visa balance transfers that post to your account after 12/31/2026 are not eligible for this promotional rate offer. The promotional rate will continue to apply t…”PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| After | 9.90%PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “PSECU is offering a promotional rate of 0.00% APR on all Visa balance transfers that post to your account on 10/1/2026 through 12/31/2026 (“promotional period”). Any Visa balance transfers that post to your account after 12/31/2026 are not eligible for this promotional rate offer. The promotional rate will continue to apply t…”PENNSYLVANIA STATE EMPLOYEES · 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 FeePENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “No Annual Fee”PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | |||
| Cash advance | — | no source read | |
| Balance transfer | 2.90% of the amount, PSECU is offering a promotional rate of 0.00% APR on all Visa balance transfers that post to your account on 10/1/2026 through 12/31/2026 (“promotional period”). Any Visa balance transfers that post to your account after 12/31/2026 are not eligible for this promotional rate offer. The promotional rate will continue to apply to Visa balance transfers made during the promotional period until 9/30/2027. Thereafter, any remaining unpaid portion of your original balance transfer(s) made during the promotional period will be subject to the current APR for balance transfers, which is 9.90% APR as of 10/13/2026 10:05:19 PM and is subject to change at any time. A Balance Transfer Fee equal to 2.9% of each transfer will be charged when the transfer posts to your account. This fee is separate from any interest or other charges. The total of the balance transfer amount and the Balance Transfer Fee cannot exceed your available credit limit. APR denotes Annual Percentage Rate. Visa balance transfers are limited to the available credit of your Visa credit limit. PSECU Visa Business Cards are not eligible for this promotional rate offer. Payments will be applied as stated in yourPENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “PSECU is offering a promotional rate of 0.00% APR on all Visa balance transfers that post to your account on 10/1/2026 through 12/31/2026 (“promotional period”). Any Visa balance transfers that post to your account after 12/31/2026 are not eligible for this promotional rate offer. The promotional rate will continue to apply t…”PENNSYLVANIA STATE EMPLOYEES · 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 | Minimum collateral of $200 or 25% of credit limit required (whichever is greater), held in your Regular savings share PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Minimum collateral of $200 or 25% of credit limit required (whichever is greater), held in your Regular savings share”PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR qualificationsBalance transfer · Introductory; Balance transfer · Regular | PSECU is offering a promotional rate of 0.00% APR on all Visa balance transfers that post to your account on 10/1/2026 through 12/31/2026 (“promotional period”). Any Visa balance transfers that post to your account after 12/31/2026 are not eligible for this promotional rate offer. The promotional rate will continue to apply to Visa balance transfers made during the promotional period until 9/30/2027. Thereafter, any remaining unpaid portion of your original balance transfer(s) made during the promotional period will be subject to the current APR for balance transfers, which is 9.90% APR as of 10/13/2026 10:05:19 PM and is subject to change at any time. A Balance Transfer Fee equal to 2.9% of each transfer will be charged when the transfer posts to your account. This fee is separate from any interest or other charges. The total of the balance transfer amount and the Balance Transfer Fee cannot exceed your available credit limit. APR denotes Annual Percentage Rate. Visa balance transfers are limited to the available credit of your Visa credit limit. PSECU Visa Business Cards are not eligible for this promotional rate offer. Payments will be applied as stated in your PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “PSECU is offering a promotional rate of 0.00% APR on all Visa balance transfers that post to your account on 10/1/2026 through 12/31/2026 (“promotional period”). Any Visa balance transfers that post to your account after 12/31/2026 are not eligible for this promotional rate offer. The promotional rate will continue to apply t…”PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR qualificationsPurchase · Introductory | APR denotes Annual Percentage Rate. PSECU is offering an introductory rate of 0.00% APR for purchases made with newly acquired Visa Classic Card, Visa Alumni Classic Card, and Secured Visa credit cards opened by members between 10/1/2026 and 12/31/2026. To activate the introductory rate, your first purchase must post to your account by 12/31/2026. Once activated, you will have 3 months from the date your first purchase posts to your account to make additional purchases at 0.00% APR. This is referred to as the “Purchase Window”. To be eligible for the 0.00% APR, all purchases must post to your account during the Purchase Window. The 12-month Promotional Period for the 0.00% APR begins on the date your first purchase posts to your account (the “Promotional Period”). If you make multiple purchases throughout the Purchase Window, only purchases posting to your account on that first day will receive the full Promotional Period of 12 months. Additional purchases posting to your account after the date your first purchase posted to your account will receive 0.00% APR, but only for the remainder of the 12-month Promotional Period. PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “APR denotes Annual Percentage Rate. PSECU is offering an introductory rate of 0.00% APR for purchases made with newly acquired Visa Classic Card, Visa Alumni Classic Card, and Secured Visa credit cards opened by members between 10/1/2026 and 12/31/2026. To activate the introductory rate, your first purchase must post to your …”PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR qualificationsPurchase · Regular | After the Promotional Period ends, any remaining balance from those purchases (and any new purchases posted after the Purchase Window) will be subject to the standard APR for purchases, which is 9.90% as of 10/13/2026 10:05:19 PM and is subject to change at any time. Purchases are limited to the available credit of your Visa credit limit. Cash advances and balance transfers are not eligible for this introductory rate. PSECU Visa Business Cards are not eligible for this introductory rate offer. Subject to credit approval. See your PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “After the Promotional Period ends, any remaining balance from those purchases (and any new purchases posted after the Purchase Window) will be subject to the standard APR for purchases, which is 9.90% as of 10/13/2026 10:05:19 PM and is subject to change at any time. Purchases are limited to the available credit of your Visa credit limit. Cash advances and balance transfers are not eligible for t…”PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |