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WyHy Visa Secured

Wyhy Federal Credit Union

Secured cardOne State/TerritoryFixed rateNo credit scoreCredit score 619 or less
Issuer site ↗
Purchase APR
18%
Annual fee
None
0% intro
None
0% transfer
12 mo
Foreign fee
1%
Grace period
30 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
18%
≤619
18%
620–719
—
720+
—
Lowest offered18%
Median18%
Highest offered18%

Balance transfer APR

Promotional window: 12 months · grace period retained on purchases

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

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

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

Lowest offered18%
Median18%
Highest offered18%

Every fee on this card

Annual feeNone
Balance transfer fee3%
Cash advance fee3% (min $10)
Foreign transaction fee1%
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
  • Access to Free Credit Scores
  • Automobile rental insurance
  • Credit card registration
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityOne State/Territory
StatesWY
Membership requirementsOpen to the public
Phone800-442-2392
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (3%)$150
Promo interest at 0.00%$0
You save$450

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 18.00% afterwards.

Cost to carry a balance
Interest for a year at 18.00%$540
Annual / periodic fees$0
Total yearly cost$540

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 30-day grace period avoids the interest entirely.

Cardholder agreements

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

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