Purchase APR
18%
Annual fee
None
Foreign fee
1%
0% transfers · 12 mo
SecuredNo score≤619
Carrying $3k for a year ≈ $540
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Wyhy Federal Credit Union
1 cardholder agreement · 251 KB · 3 surveyed cards
Priced card products
Purchase APR
11.90–16.90%
Annual fee
None
Foreign fee
1%
0% transfers · 12 mo
620–719720+
Carrying $3k for a year ≈ $417
Purchase APR
12.90–17.15%
Annual fee
None
Foreign fee
1%
0% transfers · 12 mo
620–719720+Cashback
Carrying $3k for a year ≈ $441.30
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.