See Approval Odds before you apply. State Employees’ Credit Union credit card review. The State Employees’ Credit Union card takes the guesswork out of applying for a credit card by charging every cardholder the same low rate. Washington State Employees Credit Union (WSECU). For more information or contact a Me/CU representative for details. In addition, State Employees’ Credit Union charges just $5 if you miss a payment or if your payment is returned, while other cards charge up to $35 for the same offense. Offers are also displayed in Online and Mobile Banking and may … The SECU credit card doesn’t charge a balance transfer fee, which can potentially save you a bundle in fees. Your personal information and data are protected with 256-bit encryption. You qualify for a State Employees’ Credit Union membership and want the least expensive card you can get. With no annual fee and a low-interest reward program for on-time payments, you can establish healthy credit habits and set yourself up for a successful financial future. They'll call you. You mean after applying for credit? Instead, you’ll see recommended credit ranges from the issuers listed next to cards on our site to help you determine which cards you’re likely to be approved for. CreditCards.com is an independent, advertising-supported comparison service. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Get essential reads every week with our newsletter. For immediate assistance, contact our 24/7 Member Services at, Please be advised that State Employees' Credit Union is only responsible for the content we post to our social media sites. How is the Discover it ® Secured credit card different from other credit cards? If you are using a screen reader and are having problems using this website, please call (888) 732-8562 for assistance. As long as your credit score is high enough to qualify for a new card, you can count on being charged just 10 percent per year, which is one of the lowest rates available on any credit card. We assess the value of the collateral securing a loan (e.g., home or vehicle) to determine the collateral’s value in relation to the requested loan amount (i.e., loan-to-value ratio or LTV). Our credit union Member Centers are located across Texas. Very basic questions. We charge no annual fee, foreign transaction fee, or balance transfer fees. Members who use all of our products can save as much as $1,000 per year. Privacy Policy, Essential news and expert tips in your inbox every week. However, try to pay off as much as you can afford each month so that your debt stays under control. Use this card for any purchases you can’t repay in full. Terms of Use: Website and Social Media Accounts, Monthly obligations and debts such as mortgage/rent payments, vehicle loans and credit cards. Enjoy free checking, surcharge-free ATMs, and a cash rewards credit card. We’ll do a soft credit pull to find them, which will never impact your credit score. The WSECU Create Visa credit card is a great option. Join today. To be eligible for a State Employees’ Credit Union credit card, you need to live in North Carolina, South Carolina, Georgia, Tennessee or Virginia and be a current or retired state of North Carolina employee, public school employee or county department employee or be a member of the North Carolina National Guard. Loan approval depends on your credit history and ability to repay current and proposed debts. Is Bill Pay available? American Express allows you to view your pre-qualification status online. Also, eligibility is limited. The Annual Percentage Rate will be calculated by adding a margin (dependent on credit worthiness) plus the prime rate as published in the Wall Street Journal on the last Thursday of every month. Founded in 1957, WSECU is proud to offer membership to public employees, school district personnel and their family members. When you click on NOTE: If your credit card is lost or stolen, you must call 1-800-449-7728 to report it. A credit report is obtained on all members requesting a loan for the first time. If calling from outside the U.S. you must call collect to 1-314-542-7111. Read user reviews to learn about the pros and cons of this card and see if it’s right for you. PSECU’s credit cards offer a variety of features, such as 1.5% or 2% cash rewards and low rates on purchases. Brochures If you're opening an account, enrollment can be handled at the time of account opening. By contrast, most cards advertise a wide range of APRs, making you guess what rate you’ll be offered after you apply. Credit ... having no collateral and Secu approved me with a 12,000.00 credit limit! BECU loan financing subject to credit and underwriting approval, and may change without notice. Close family members of current credit union members are also eligible. The offers that appear on this site are from companies from which CreditCards.com receives compensation. We may also be able to help new borrowers establish a credit record. It’s the issuer’s way of saying “You look like you might be a good match for our card. To get more information, current rates, and to apply for a credit card, go to the website. Build a solid credit history with the convenience, security and worldwide acceptance of a SECU Visa® credit card, plus earn points towards redeeming merchandise with every purchase. If you don’t have any cards that waive foreign transaction fees, use this card when traveling abroad. CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. Check out our many online and mobile services and enroll in Member Access today! WalletHub’s editors compared 1,000+ offers to find the best cards for people at each credit level. You regularly use fee-based services, such as cash advances, and would benefit from the card’s consumer-friendly fee schedule. Qualifying Requirements: Member of SECU (which means meeting these membership eligibility requirements) or a close relative of a SECU member; Resident of North Carolina, South Carolina, Georgia, Tennessee or Virginia; Annual Fee: None; APR: 9.50%; Benefits: Discover offers a unique set of secured credit card benefits, including cash back on every purchase, 100% U.S.-based customer service available day or night, and more. See comparison grid for more. You also won’t be charged a penalty APR if you fall behind on payments, so you don’t have to worry about a sudden rate hike either. It is not our partner’s responsibility to ensure all posts or questions are answered. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. 0 1 0. Are you ready to start building your credit? But if you qualify for membership, you’ll be rewarded with one of the lowest interest rates available, as well as some of the lowest fees. Check the data at the top of this page and the bank’s website for the most current information. CONTROL YOUR CARD. Both cards can be added to Apple Pay®, Google Pay®, and Samsung Pay™. Android Apple. I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer. People helping people - together we can make a difference! For all Navy Federal Credit Cards: As of 04/02/2021, rates range from 5.99% APR to 18.00% APR, are based on product type and creditworthiness, and will vary with the market based on the U.S. Prime Rate. Some loan products may restrict the loan amount offered based on the collateral value. SECU Credit Card Review. So they differ based on your credit standing as well as your spending and payment habits. For example, the average low rate card charges an APR of 12.89 percent, according to CreditCards.com data. No DNA or first born needed for approval. These were some of the friendliest LOs I've dealt with. The largest credit union in Pennsylvania, PSECU offers the financial opportunities to help you live better. You are now leaving the Credit Union website. Copyright © 2021 CreditCards.com a Red Ventures Company. Reasonable efforts are made However, it also doesn’t offer a zero percent promotion, so you can wind up paying more in interest than you would with a more traditional zero percent balance transfer card. You’ll just need to visit the American Express Pre-Qualification Statuspage and click ‘Check for Offer’ on the top. Having a SECU Starter Visa card and using it responsibly now is the key to a healthy financial future. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. To help you find the right credit card for your needs, WalletHub’s editors picked a handful of their favorite cards from issuers offering pre-approval with a soft pull. On the downside, the State Employees’ Credit Union card doesn’t offer any cardholder promotions, so you may be better off choosing a card with a zero percent APR on balance transfers if you plan to consolidate a significant amount of debt. The fees that this card charges are among the lowest you can get on a credit card. Many low interest cards offer a zero percent introductory APR on balance transfers and new purchases for the first 12 months of membership or longer. New User Information. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. If your credit report indicates credit blemishes,5 we may be able to make a loan to help improve your credit report or make your debts more affordable by restructuring or consolidating existing debt. We provide credit cards, deposit accounts, loans and more. If you received a Pre-Approved offer by mail and you would like to accept the offer, call us at 1-800-538-3328, visit any EECU branch, or complete the Pre-Approval Interest Form and we will contact you. VSECU is a credit union for all Vermonters. Learn more about our advertising policy. Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. Tap into your mortgage home loan with our Express Mortgage Pre-Approval and get pre-approved for a mortgage with Harvard University Employees Credit Union. And I've dealt with a bunch! Checkbook Balancing Normally within 24 to 48 hours. Then you are basically approved. You can also assign funds in your share or Share Term Certificate accounts at the Credit Union as collateral for some loans.6. Here’s what you absolutely must know about the SECU Credit Card. The website you are entering is not affiliated with or controlled by the Credit Union and may have different terms, conditions and privacy and security policies than the Credit Union. For example, the State Employees’ Credit Union card offers complimentary car insurance coverage, but it doesn’t offer any other standard credit card perks, such as extended warranty or emergency travel assistance. This card also doesn’t come with any rewards, nor does it offer very many cardholder benefits. If you received a Pre-Approved offer by mail or online and you would like to accept the offer, call us at 559-437-7700 or 800-538-EECU (option 3) or visit any EECU branch. All Contact Info; Member Services: 1-915-778-9221 1-800-772-GECU. The best pre-approved credit cards are simply the best overall credit cards that happen to offer pre-approval. With the power of VISA®, you can use your Me/CU VISA® card at over 14,000,000 locations worldwide. Although pre-approved for the credit card, I actually had a hard time establishing membership since they were tougher on out of state apps at that time. However, all credit card information is presented without warranty. If nothing else, why not take some time to set up your membership and get that out of the way and circle back around when you feel more comfortable for credit … If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Interested in the SECU Visa® Credit Card? The State Employees’ Credit Union credit card also charges just the bare minimum of fees, making it a good choice for cardholders who regularly use fee-based services. Card Services. We’re sorry, but something went wrong and we couldn’t find your approval odds. Learn More You can also fill out the pre-approval interest form and we will contact you shortly. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. Contact this location and ask about pre-approval, payment address, or payoff address. This way, you can see if you’re approved without pulling your credit and taking a hit to your score! This inexpensive credit union credit card carries the same low rate for every cardholder and charges some of the industry’s all-time lowest fees, but lacks a zero percent introductory offer. All Rights Reserved. * APR effective as of 7/1/2020. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. By providing my email address, I agree to CreditCards.com’s Keep an eye on your inbox—we’ll be sending over your first message soon. If you decide to access this website, you do so entirely at your own risk and subject to the terms and conditions of use on such website. Your credit cards journey is officially underway. Other Notable Features: Overdraft protection, car rental insurance. It doesn’t charge a cash advance or balance transfer fee, so you can consolidate debt from other cards without paying a hefty penalty. Summer Cash Calculator See the online credit card applications for details about the terms and conditions of an offer. Calculate Auto Loan amount with the easy online calculator. Pre-qualifying for a credit card can give you an idea of your approval chances without impacting your credit. This includes a cash back credit card, a 0% credit card and a pair of travel rewards cards. On the downside, cardholders who are seeking to cut costs on interest payments will be disappointed to find that the card also doesn’t include a zero percent introductory offer. Do the math before transferring a balance. Proudly serving North Carolina employees, their families and our community. Privacy Policy. APR based on borrower's credit history, 48-month or less repayment term, collateral two (2) years old or newer with up to 90% loan-to-value (LTV), and based on wholesale Kelley Blue Book or dealer invoice. Already have a State ECU credit card? Unlike a prepaid card, a secured card is an actual credit card that reports to the three major credit bureaus—providing the opportunity to build your credit, with responsible use. As long as your credit score is high enough to qualify for a new card, you can count on being charged just 10 percent per year, which is one of the lowest rates available on any credit card. account numbers or card numbers via email, voice or text messaging. The State Employees’ Credit Union credit card isn’t fancy, so you won’t find luxury rewards or exclusive benefits attached to this plain vanilla card. 1. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. • To report a HELOC Credit Card lost or stolen, or to report fraudulent activity, please call the Card Holder Services partner at: 800-449-7228. If you live in the Southeast and work as a public employee, you’ll be hard pressed to find a more inexpensive credit card than this bare-bones low interest rate card. Me/CU offers VISA® credit cards to suit your needs. Mainly identity verification, nothing grueling. Get Rewarded for On-Time Payments. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. However, we do receive compensation when you click on links to products from our partners. 1-2 of 2. All reviews are prepared by CreditCards.com staff. to maintain accurate information. You plan to carry a balance and need a safer card with a predictable interest rate. However, borrowers cannot be under a bankruptcy plan or have caused the credit union a loss that remains outstanding, said Mark Coburn, senior vice president of lending at SECU. Best Pre-approved Credit Cards for 2021. The credit union does offer credit cards to members. This bank, for certain credit card products of theirs, allows you to go through a pre-approval process before officially applying for the card. Cardholders who plan to transfer or build up a balance on the State Employees’s Credit Union card could find themselves paying hundreds of dollars more in interest than if they had financed the balance at zero percent. Monthly obligations and debts such as mortgage/rent payments, vehicle loans and credit cards; Debt Income percentage 3; The willingness of a member to repay the Credit Union is observed by past performance on SECU loans and other credit obligations. Press Releases, ©var date = new Date();document.write(date.getFullYear()); State Employees' Credit Union. Log in to your State ECU Online Banking account to manage your credit card activity, 24/7. The biggest detractor to this card is its lack of a zero percent introductory offer. It also charges a maximum fee of just 1 percent for foreign transactions. CreditCards.com does not include the entire universe of available financial or credit offers. Newsletters By providing my email address, I agree to CreditCards.com’s If your credit is anything short of perfect, you’ll have a hard time finding a comparably priced card. The offers that appear on this site are from companies from which CreditCards.com receives compensation. 2021's Best Credit Cards You Can Get Pre-Approved For. • To report a MasterCard Credit Card lost or stolen, or to report fraudulent activity, please call the MasterCard Credit Card Lost/Stolen System at: 866-839-3485. If the system says you're pre-approved. Monitor balances, transactions, turn your card(s) on or off with the click of button, and more. Our cards offer low balance-transfer rates. For more detailed information, please review our. Take control of your card with Card Valet. We use your report to observe past performance on SECU loans and other credit obligations as an indication of your willingness to repay future obligations. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. First Progress Platinum Prestige Mastercard® Secured Credit Card Prepaid cards are more like debit cards and cannot help you build your credit because they do not report to the major credit bureaus. The Credit Union does not provide, guarantee, endorse, or assume responsibility for any content, products or services that may be provided by the website you are entering. These terms allow CreditCards.com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. State Employees Credit Union in Raleigh, North Carolina homepage. Vehicle Calculator, Annual Meeting & Report Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Your ability to repay current and proposed obligations is critical in the decision to approve a loan. But they don’t actually guarantee approval — pre-approval is more of an invitation to apply for a credit card. By contrast, most low interest rate cards charge at least 3 percent for foreign transactions. See transactions, make payments, and more. Visit us today! The State Employees’ Credit Union card takes the guesswork out of applying for a credit card by charging every cardholder the same low rate. Pre-Approved American Express Cards. How can I apply for a SECU MD Credit Card? Chat live now See your unique approval odds listed next to cards on our site. If you're not opening a new account at this time but wish to add online banking capabilities, please call 800-983-7328 and speak to a helpful State Employees representative to complete the process. VSECU PO Box 67 Montpelier, VT 05601 | 802/800 371-5162 Routing: 211691185 Unlike a bank, we are 100% member-focused. SECU will not ask for personal information such as online credentials, We determine your ability to repay by reviewing the following: We obtain and review a credit report on all members requesting a loan. The information, including card rates and fees, presented in the review is accurate as of the date of the review. SECU offers 24/7 Visa Credit and Debit Card support, including easy online card fraud reporting. Members sign on access, review bank highlights and articles, check our loan rates and frequently visited links.