WYHY Credit UnionVisa SecuredRegistry illustration · issuer artwork unavailable

Visa SecuredWYHY Credit Union · federal credit union, WY · NCUA 9094

CurrentLast observed Aug 31, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · securedFiled as “WyHy Visa Secured”

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Purchase APR

18%

poor to no score

Balance transfer

0% introductory · reported median duration 12 mo

no ongoing rate filed

Cash advance APR

18%

fixed

Annual fee

a year

Foreign fee

of the amount

Grace period

30 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Poor credit	median 18%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
No credit score	median 18%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
All applicants	18%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
APR for balance transfersintroductory rate first	0%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
APR for cash advances	18%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	30 days from the close of each billing cycle	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Transaction fees
Cash advance	3% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Balance transfer	3% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Foreign transaction	1% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Penalty fees
First late fee	$25Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Returned payment	—	no source read
Other fees
None disclosed	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Balance transfer terms	YesConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website

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.

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:wyhy-federal-credit-union:wyhy-visa-secured
Fields: Balance Transfer Offered?, Median Length of Balance Transfer APR, Purchase APR Index, Transfer APR max, Transfer APR median, Transfer APR min
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:wyhy-federal-credit-union:wyhy-visa-secured
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:wyhy-federal-credit-union:wyhy-visa-secured
Fields: Introductory APR Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:wyhy-federal-credit-union:wyhy-visa-secured
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:wyhy-federal-credit-union:wyhy-visa-secured
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR no score
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:wyhy-federal-credit-union:wyhy-visa-secured
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR poor
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:wyhy-federal-credit-union:wyhy-visa-secured
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:wyhy-federal-credit-union:wyhy-visa-secured
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:wyhy-federal-credit-union:wyhy-visa-secured
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:wyhy-federal-credit-union:wyhy-visa-secured
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:wyhy-federal-credit-union:wyhy-visa-secured
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:wyhy-federal-credit-union:wyhy-visa-secured
Fields: Additional Fees, Other Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:wyhy-federal-credit-union:wyhy-visa-secured
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:wyhy-federal-credit-union:wyhy-visa-secured
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
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CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Dec 31, 2025: Annual fee, Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: WYHY Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 9094
Branches: 5 in WY
Sources: Government dataset · 0 documents · 0 pages cited

Documents

No republished document is bound to this product. See the sources above for the evidence behind these terms.

Visa SecuredWYHY Credit Union · federal credit union, WY · NCUA 9094

Rates and fees