WalletHubLow membership feesQualify with bad creditForeign feeRequires security depositBeginnings Credit Union Secured Credit Card
Beginnings Credit Union Secured Credit Card
Credit Score
Bad Credit
Minimum Security Deposit
$500
Fees
APR on Purchases
17%
Beginnings Credit Union Secured Credit Card's Additional Info
Can help you build or rebuild credit.
Low $15 annual fee that is waived if a member maintains a Direct Deposit in a Beginnings Credit Union account or has a Beginnings Credit Union Mortgage.
Credit Limit $500 - $5,000.
| cash advance fee | 4% (min $10) |
| cash advance APR | 17% |
| foreign transaction fee | 1% |
| smart chip | Yes, chip-and-signature |
| max late fee | $40 |
| max overlimit fee | $0 |
| max penalty APR | None |
Beginnings Credit Union Secured Credit Card Pros & Cons
Low membership fees
Qualify with bad credit
Foreign fee
Requires security deposit
Compare The Beginnings Credit Union Secured Credit Card vs. Popular Alternatives
minimum deposit$500 | minimum depositNo Deposit Needed | minimum deposit$49, $99 or $200 |
one time fees$0 | one time fees$0 | one time fees$0 |
annual fee$15 | annual fee$0 | annual fee$0 |
monthly fee$0 | monthly fee$0 | monthly fee$0 |
Regular APR17% | Regular APR13.5% - 18.00% (V) | Regular APR29.49% (V) |
rewards rate | rewards rate | rewards rate |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
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Offer last updated: Aug 20th, 2025 at 14:52 ET
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