Purchase APR
15.74–18%
Annual fee
None
Foreign fee
None
≤619620–719Cashback
Carrying $3k for a year ≈ $502.50
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58
Secured SMART Credit Card
Secured cardOne State/TerritoryVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
13.24–18%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days
Contract X-Ray — what's buried in the fine print
0 red flags · 7 filed docsDetected in the CFPB-filed cardholder agreements from Orlando 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
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.
- MXC30-C-1_Consumer Credit Card Agreement_cu0071 KB
- MXC30-C-1_Consumer Credit Card Agreement_cu0071 KB
- MXC30-C-1_Consumer Credit Card Agreement_cu0071 KB
- Rate Sheet_ rev_091825198 KB
- Secured Smart Account Opening_Current41 KB
- Smart CC Account Opening51 KB
More from this issuer
Purchase APR
13.24–18%
Annual fee
None
Foreign fee
1%
≤619620–719Cashback
Carrying $3k for a year ≈ $483.60
Purchase APR
13.74–18%
Annual fee
None
Foreign fee
None
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $483.60
Purchase APR
13.49–18%
Annual fee
None
Foreign fee
1%
620–719720+
Carrying $3k for a year ≈ $483.60