Credit Cards

Secured VISA®

Helping students wherever they go

No credit? No problem! The Stanford FCU Secured VISA® Credit Card lets you safely build or re-establish your credit history. It uses your savings account as collateral and works just like any other credit card. We know how important good credit is to you, and Stanford FCU is here to help you get it back.

Features

  • NO Annual Fee
  • Low annual percentage rate (APR)
  • NO foreign currency exchange fee — great for international travelers!
  • NO cash advance fee
  • NO balance transfer fee
  • Purchase Security (FAQ | Guide)
  • Auto Rental Collision Damage Waiver (FAQ | Guide)
  • Fraud Text Alerts

 

Rates

 

Method of computing the balance of purchases:
Average Daily Balance Including New Purchases

 

VISA® Card
Information
Rate
Information
Annual Percentage
Rate for Purchase
Grace Period for
Balances of Purchases
Annual
Fee
Secured VISA® 17.99% Corresponding to a daily period rate of 0.0493% None None

See Rates

Fees

No Hidden Fees

We don’t believe you should have to pay extra just to use basic banking services. We have the VISA® Card that fits your lifestyle without any hidden fees, allowing you to do more and bank less.

Annual Fee None
Cash Advance Fee None (Interest will be charged on Cash Advances starting on the transaction date.)
Balance Transfer Fee None (Interest will be charged on Balance Transfers starting on the transaction date.)
Foreign Transaction Fee None
Late Payment Fee $7
Return Payment Fee $20.00 or the amount of the required minimum payment, whichever is less
Penalty APR None

See VISA® Agreement Disclosure

Disclosures

Stanford FCU does not charge foreign transaction fees, but other financial institutions or merchants may.  All members are required to have a $5 membership balance in any of the following accounts: Checking Account, Savings Account, Money Management Account, Share Certificate or Individual Retirement Account.