{"data":{"path":"teachers-credit-union-ny/visa-secured","artwork":null,"name":"VISA SECURED","officialName":"TEACHERS VISA SECURED","type":"credit_card","audience":"consumer","lifecycleStatus":"active","owner":{"name":"Teachers Credit Union","handle":"teachers-credit-union-ny"},"institution":{"name":"Teachers Credit Union","handle":"teachers-credit-union-ny"},"actualIssuerName":null,"standardOffer":{"id":"2605","offerKind":"standard","channel":null,"nameAsFiled":"TEACHERS VISA SECURED","handle":null,"terms":{"productId":"3789","path":"teachers-credit-union-ny/visa-secured","name":"VISA SECURED","officialName":"TEACHERS VISA SECURED","aliases":[],"institutionId":"76915","institutionName":"Teachers Credit Union","institutionHandle":"teachers-credit-union-ny","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":true,"network":"visa","targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":"unknown","balanceTransferIntroNullReason":"unknown","purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":"unknown","cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"unknown","latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"unknown","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"unknown","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":"unknown","lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:05:31.343Z","sources":[{"snapshotId":"53062","sourceKind":"official_issuer","publisherName":"TEACHERS","capturedAt":"2026-10-14T13:05:31.343Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.teachersfcu.org/personal-banking/credit-cards/visa-secured","passageId":"2c842c8c46a5d31cdaafd0b4a11da1c5","pageNumber":null,"quote":"No annual fee","recordId":"official-issuer:page:url:2f6f7aa26fb4fed4f1fdae385e39012ce2a888dd3f2913c872d1ae4924da9849","recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_offered","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":null,"explanation":"No annual fee"}],"cardTerms":null,"partialCardNetwork":{"network":"visa","sources":[{"snapshotId":"53062","sourceKind":"official_issuer","publisherName":"TEACHERS","capturedAt":"2026-10-14T13:05:31.343Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.teachersfcu.org/personal-banking/credit-cards/visa-secured","passageId":"e225c50fee59fe92cc23c08c7288385a","pageNumber":null,"quote":"The Teachers Visa Secured Credit Card is a solid first step to building better credit. Your credit card is secured with funds you deposit into your Teachers Regular Savings account. By making consistent, on-time monthly payments, you can work toward achieving your financial goals. Whatever you want to accomplish, it starts here.","recordId":"official-issuer:page:url:2f6f7aa26fb4fed4f1fdae385e39012ce2a888dd3f2913c872d1ae4924da9849","recordFields":[],"fieldKey":"network"}]},"partialCardSecurity":{"secured":true,"sources":[{"snapshotId":"53062","sourceKind":"official_issuer","publisherName":"TEACHERS","capturedAt":"2026-10-14T13:05:31.343Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.teachersfcu.org/personal-banking/credit-cards/visa-secured","passageId":"e225c50fee59fe92cc23c08c7288385a","pageNumber":null,"quote":"The Teachers Visa Secured Credit Card is a solid first step to building better credit. Your credit card is secured with funds you deposit into your Teachers Regular Savings account. By making consistent, on-time monthly payments, you can work toward achieving your financial goals. Whatever you want to accomplish, it starts here.","recordId":"official-issuer:page:url:2f6f7aa26fb4fed4f1fdae385e39012ce2a888dd3f2913c872d1ae4924da9849","recordFields":[],"fieldKey":"secured"}]},"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_apr","fieldKey":"apr-146","reason":"unparsed_value","detail":"APR retained without a supplied capture date or a literal ISO effective date; no effective date invented.","sources":[{"snapshotId":"53062","sourceKind":"official_issuer","publisherName":"TEACHERS","capturedAt":"2026-10-14T13:05:31.343Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.teachersfcu.org/personal-banking/credit-cards/visa-secured","passageId":"e2c9f35e3baa65214f70162c5e347f0b","pageNumber":null,"quote":"APR is fixed and will be 17.75%. All rates and terms are subject to change without notice. Subject to creditworthiness. Not all applicants will qualify.","recordId":"official-issuer:page:url:2f6f7aa26fb4fed4f1fdae385e39012ce2a888dd3f2913c872d1ae4924da9849","recordFields":[],"fieldKey":"withheld:card_apr:apr-146"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"2605","offerKind":"standard","channel":null,"nameAsFiled":"TEACHERS VISA SECURED","handle":null,"terms":{"productId":"3789","path":"teachers-credit-union-ny/visa-secured","name":"VISA SECURED","officialName":"TEACHERS VISA SECURED","aliases":[],"institutionId":"76915","institutionName":"Teachers Credit Union","institutionHandle":"teachers-credit-union-ny","issuerName":null,"productType":"credit_card","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":true,"network":"visa","targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":0,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":"unknown","balanceTransferIntroNullReason":"unknown","purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":0,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":"not_offered","purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":"unknown","balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":"unknown","cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":"unknown","foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":"unknown","latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":"unknown","overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":"unknown","returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":"unknown","otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":"unknown","lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T13:05:31.343Z","sources":[{"snapshotId":"53062","sourceKind":"official_issuer","publisherName":"TEACHERS","capturedAt":"2026-10-14T13:05:31.343Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.teachersfcu.org/personal-banking/credit-cards/visa-secured","passageId":"2c842c8c46a5d31cdaafd0b4a11da1c5","pageNumber":null,"quote":"No annual fee","recordId":"official-issuer:page:url:2f6f7aa26fb4fed4f1fdae385e39012ce2a888dd3f2913c872d1ae4924da9849","recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_offered","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":null,"explanation":"No annual fee"}],"cardTerms":null,"partialCardNetwork":{"network":"visa","sources":[{"snapshotId":"53062","sourceKind":"official_issuer","publisherName":"TEACHERS","capturedAt":"2026-10-14T13:05:31.343Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.teachersfcu.org/personal-banking/credit-cards/visa-secured","passageId":"e225c50fee59fe92cc23c08c7288385a","pageNumber":null,"quote":"The Teachers Visa Secured Credit Card is a solid first step to building better credit. Your credit card is secured with funds you deposit into your Teachers Regular Savings account. By making consistent, on-time monthly payments, you can work toward achieving your financial goals. Whatever you want to accomplish, it starts here.","recordId":"official-issuer:page:url:2f6f7aa26fb4fed4f1fdae385e39012ce2a888dd3f2913c872d1ae4924da9849","recordFields":[],"fieldKey":"network"}]},"partialCardSecurity":{"secured":true,"sources":[{"snapshotId":"53062","sourceKind":"official_issuer","publisherName":"TEACHERS","capturedAt":"2026-10-14T13:05:31.343Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.teachersfcu.org/personal-banking/credit-cards/visa-secured","passageId":"e225c50fee59fe92cc23c08c7288385a","pageNumber":null,"quote":"The Teachers Visa Secured Credit Card is a solid first step to building better credit. Your credit card is secured with funds you deposit into your Teachers Regular Savings account. By making consistent, on-time monthly payments, you can work toward achieving your financial goals. Whatever you want to accomplish, it starts here.","recordId":"official-issuer:page:url:2f6f7aa26fb4fed4f1fdae385e39012ce2a888dd3f2913c872d1ae4924da9849","recordFields":[],"fieldKey":"secured"}]},"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_apr","fieldKey":"apr-146","reason":"unparsed_value","detail":"APR retained without a supplied capture date or a literal ISO effective date; no effective date invented.","sources":[{"snapshotId":"53062","sourceKind":"official_issuer","publisherName":"TEACHERS","capturedAt":"2026-10-14T13:05:31.343Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.teachersfcu.org/personal-banking/credit-cards/visa-secured","passageId":"e2c9f35e3baa65214f70162c5e347f0b","pageNumber":null,"quote":"APR is fixed and will be 17.75%. All rates and terms are subject to change without notice. Subject to creditworthiness. Not all applicants will qualify.","recordId":"official-issuer:page:url:2f6f7aa26fb4fed4f1fdae385e39012ce2a888dd3f2913c872d1ae4924da9849","recordFields":[],"fieldKey":"withheld:card_apr:apr-146"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[]}}