The Huntington National BankHuntington Secured Credit CardRegistry illustration · issuer artwork unavailable

Huntington Secured Credit CardThe Huntington National Bank · N bank, AL · FDIC 6560

CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

p.1variable

Balance transfer

p.1variable

Cash advance APR

p.1variable

Annual fee

p.1none

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	9% variableThe Huntington National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“2 6 . 4 9 % This APR will vary with the market based on the Prime Rate. 1”The Huntington National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	9% variableThe Huntington National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“2 6 . 4 9 % This APR will vary with the market based on the Prime Rate. 1”The Huntington National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	9% variableThe Huntington National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“2 7 . 4 9 % This APR will vary with the market based on the Prime Rate. 2”The Huntington National 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	$0The Huntington National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”The Huntington National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

Huntington Secured Card Pricing Schedulepage 1 of 1

Pricing Schedule for Huntington Secured Credit Card Cardholder Agreement

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 2 6 . 4 9 % This APR will vary with the market based on the Prime Rate. 1 APR for Balance Transfers · 2 6 . 4 9 % This APR will vary with the market based on the Prime Rate. 1 APR for Cash Advances · 2 7 . 4 9 % This APR will vary with the market based on the Prime Rate. 2 Howto Avoid Paying Interest on Purchases · The payment due date is at least 21 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. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge · If interest is charged, the charge will be no less than $1.00 Fees Annual Fee · None Transactions Fees • Balance Transfer • Cash Advance · The greater of $10.00 or 3% of the amount of each Balance Transfer The greater of $10.00 or 5 % of the amount of each Cash Advance Penalty Fees • Late Payment · Up to $4 1

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

1 We add a margin of 19.74% to the Prime Rate to determine the Purchase/Balance Transfer APR. APR.

2 We add a margin of 20.74% to the Prime Rate to determine the Cash Advance APR.

Variable APRs Based on Prime. If any APR is based on the U.S. Prime Rate ('Prime Rate'), the APR will equal the Prime Rate plus the additional amount shown above. If the Prime Rate increases, it will cause the APR to increase. If the Prime Rate decreases, it will cause the APR to decrease. For each billing period we use the Prime Rate published in The Wall Street Journal two business days before the Statement Closing Date. If the Prime Rate causes an APR to change, we put the new APR into effect as of the first day of the billing period for which we calculate the APR. We apply the new APR to any existing balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime Rate, we will use a similar published rate.

This pricing information is accurate as of the last business day of the preceding calendar quarter and is subject to change after that date. For current information please contact Huntington National Bank at PO Box 1558, Columbus, OH 43272 or call us at 1-800480-BANK for any changes.

1Page 1 is 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.

The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“2 6 . 4 9 % This APR will vary with the market based on the Prime Rate. 1”
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The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“2 7 . 4 9 % This APR will vary with the market based on the Prime Rate. 2”
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The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“2 6 . 4 9 % This APR will vary with the market based on the Prime Rate. 1”
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The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
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The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“If interest is charged, the charge will be no less than $1.00”
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 ↗
The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“The payment due date is at least 21 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. We will begin charging interest on cash advances and balance transfers on the transaction date.”
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 ↗
The Huntington National Bank
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“The payment due date is at least 21 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. We will begin charging interest on cash advances and balance transfers on the transaction date.”
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: Annual fee, Balance transfer APR, Cash advance APR, Purchase APR

Offered through: The Huntington National Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 6560
Branches: 1,627 in AL, AR, CO, FL, GA, IL, IN, KY, LA, MI, MN, MO, MS, NC, OH, PA, SC, TN, TX, WI, WV
Sources: Official issuer · 2 documents · 1 page cited

Documents

Huntington Secured Card Agreementeffective date not parsed
Huntington Secured Card Pricing Scheduleeffective date not parsed

Huntington Secured Credit CardThe Huntington National Bank · N bank, AL · FDIC 6560

Rates and fees