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43

Secure Classic

360 Federal Credit Union

Secured cardNationalFixed rateNo credit score
Issuer site ↗
Purchase APR
—
Annual fee
None
0% intro
3.99%
0% transfer
None
Foreign fee
1%
Grace period
25 days

Contract X-Ray — what's buried in the fine print

0 red flags · 1 filed doc

Detected in the CFPB-filed cardholder agreements from 360 Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered—
Median—
Highest offered—

Introductory purchase APR

Promotional window: 3 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered3.99%
Median3.99%
Highest offered3.99%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered17.25%
Median17.25%
Highest offered18%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance fee$5 min
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit fee$20
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Late fee policy: 25.00 or 5% whichever is greater

Rewards, benefits and features

Rewards

None reported

Services
  • Automobile rental insurance
Features
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-544-4728
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry

This issuer did not report a purchase APR.

Cardholder agreements

1 document filed by 360 Federal Credit Union in the 2026 Q1 archive.

More from this issuer