Скачать или смотреть Teachers Federal Credit Union Secured Credit Card Review 2025 | Worth It or Leave It?

Rebuild credit safely, avoid annual fees, and take control of your financial future with the Teachers Federal Credit Union Visa Secured Credit Card, designed for those serious about boosting their credit scores without paying excessive fees. This card requires a refundable deposit in a TFCU savings account, which becomes the credit limit, and reports on-time payments to all three major credit bureaus to help improve credit history over time. With a purchase APR between 13% and 18%, it beats the steep rates of many subprime options, and a 25-day grace period allows interest-free payments if the balance is cleared on time. Modest foreign transaction fees—1% for multi-currency and 0.80% for single currency purchases—make it practical for occasional international use. While it offers no rewards program, its sole mission is to help users build or rebuild credit at low ongoing cost. Still, credit union membership requirements, costly cash advances, and the risk of TFCU using deposit funds to cover overdue balances mean it works best for disciplined spenders—because what happens if discipline slips might be more than expected.

Pros:
No annual or monthly fees
Reports on-time payments to all three major credit bureaus
Competitive APR range (13% to 18%)
25-day grace period for interest-free payments
Modest foreign transaction fees
Refundable security deposit as credit limit
Strong tool for building or rebuilding credit

Cons:
Credit union membership required
No rewards program
Cash advance fee ($5 or 3%, whichever is greater)
TFCU can use deposit funds to cover overdue balances
APR can still make carrying debt expensive

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