PEFCU VISA Secured Card
- Annual fee
- None
- Recommended credit
- Poor / No Credit Required
- Card network
- Visa
- Regular purchase APR
- 9.90%
At a glance
Rebuilding credit is never easy. Fortunately, the PEFCU Visa Secured Credit Card makes building credit a breeze thanks to no annual fee and a fixed APR among the lowest in the nation.
Our review of the PEFCU VISA Secured Card
If you’re a Publix employee or associated with select groups, the PEFCU Visa Secured Card could be the perfect option to build credit. With a higher minimum deposit than some competitors, this card offers a fixed-rate APR that is significantly lower than the national average. Plus, there are no hidden fees or annual charges, making it a top choice for those looking to improve their credit score.
Who Can Join Publix Employees Federal Credit Union?
Publix Employees Federal Credit Union serves Publix employees, retirees, and their families, as well as associates from select groups. If you’re affiliated with Bartow Ford, City of Lakeland, or other specific organizations, you may be eligible to join and apply for the PEFCU Visa Secured Card.
Higher-Than-Average Minimum Deposit
Unlike other secured cards, the PEFCU Visa Secured Card requires a minimum deposit of $300. While this is higher than some competitors, the card’s exceptional fixed-rate APR and lack of annual fees make it a worthwhile investment for those looking to rebuild their credit.
No Annual Fee
With no annual fee, the PEFCU Visa Secured Card stands out among secured credit card options. Many secured cards charge annual fees ranging from $25 to $75, so the absence of this fee is a significant benefit for cardholders.
An Exceptional, Fixed-Rate APR
PEFCU offers an impressive fixed-rate APR for both their secured and unsecured cards. With a rate below 11%, the PEFCU Visa Secured Card provides a lower APR than many competitors, making it an attractive choice for those carrying a balance.
No Hidden Fees
Cardholders of the PEFCU Visa Secured Card won’t encounter hidden fees like penalty APRs, balance transfer fees, or cash advance charges. This transparency and commitment to member satisfaction set PEFCU apart from other lenders.
Should You Apply for the PEFCU Visa Secured Card?
Overall, the PEFCU Visa Secured Card is an excellent option for individuals looking to boost their credit score. While there are other secured cards with rewards programs, the low fixed-rate APR and lack of hidden fees make the PEFCU card a standout choice for those serious about rebuilding their credit.
If you’re interested in applying for the PEFCU Visa Secured Card or exploring other credit card offers, visit the Publix Employees Federal Credit Union website for more information.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- Build credit with financial responsibility
- Enjoy Visa cardholder protections
Who this card may suit
- You're an existing Publix employee or qualify for PEFCU membership
- You have an imperfect credit history and need a secured card that makes carry a balance less difficult
- You can afford a minimum deposit of at least $300
- You don’t want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 9.90% |
| Balance Transfer APR | 9.90% |
| Cash Advance APR | 9.90% |
| Cash Advance Transaction Fee | See issuer terms |
| Foreign Transaction Fee | 1% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $20 |
| Return Payment Penalty Fee | See issuer terms |
| Minimum Deposit Required | See issuer terms |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Poor Credit Limited or No Credit.
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PEFCU VISA Secured Card
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