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Secured Visa

Avadian Credit Union

Secured cardOne State/TerritoryFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
—
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
2%
Grace period
22 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 Avadian 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—

Cash advance APR

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

Lowest offered—
Median—
Highest offered—

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feegreater of 3% or $5
Foreign transaction fee2%
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Rewards, benefits and features

Rewards

None reported

Services

None reported

Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityOne State/Territory
StatesAL
Membership requirementsOpen to the public
Phone1-888-282-3426
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 Avadian Credit Union in the 2026 Q1 archive.

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