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Secured SMART Credit Card

Orlando Credit Union

Secured cardOne State/TerritoryVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
13.24–18%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
17.75%
≤619
17.75%
620–719
17.50%
720+
14.74%
Lowest offered13.24%
Median16.12%
Highest offered18%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$25

Late fee policy: $25.00 or the amount of the required minimum payment, whichever is less, if you are 7 or more days late in making a payment.

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
Services

None reported

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

Who can get this card

AvailabilityOne State/Territory
StatesFL
Membership requirementsOpen to the public
Phone800-953-4567
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 16.12%$483.60
Annual / periodic fees$0
Total yearly cost$483.60

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

7 documents filed by Orlando Credit Union in the 2026 Q1 archive.

All 7 agreements

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