Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Annual fee | $0 |
|---|---|
| Late payment fee | up to $35 |
| Foreign transaction fee | None |
| Cash advance fee | None |
| Balance transfer fee | None |
| Minimum interest charge | $0 |
| Network | Visa |
Analysis
The Visa Secured Disclosure Q1 2026 filing from First Technology Federal Credit Union sets out no annual fee.
On the face of the filing
Visa Secured Disclosure Q1 2026 is one of the agreements First Technology Federal Credit Union has on file with the CFPB. The filing runs 16 pages, and It is issued on the Visa network.
Terms captured from the document include an annual fee line, a late payment maximum and a foreign transaction fee. A purchase rate, a cash advance rate and a balance transfer rate are not stated.
The disclosure table in this document parsed only moderately cleanly; the numbers are reported as read, with that caveat attached.
What "secured" changes
Secured cards work against a deposit held by the issuer. The rate and fee figures summarised here say nothing about the size of that deposit or the terms attached to it, both of which are matters for the agreement text itself.
Where the fees are
There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.
No foreign transaction fee is charged, which puts this filing in the roughly 22% of disclosing agreements here that do not take a cut of overseas spending.
The downside terms
Late payments are capped at $35 under this filing, about the 54th percentile of late fee maximums in the corpus.
Paying in full
No minimum interest charge is imposed, so a cycle that accrues a few cents of interest is billed a few cents.
What you cannot learn from the filing
The disclosure parsed here does not state a purchase rate, a grace period and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.
An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.
Inside First Technology Federal Credit Union's filed lineup
12 separate First Technology Federal Credit Union filings appear in the corpus.
Where the authority sits
Everything here is a reading of the filed agreement, 16 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.
In short
All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.
The source document
This page is a reading of one document: the cardholder agreement First Technology Federal Credit Union filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by First Technology Federal Credit Union, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from First Technology Federal Credit Union
-
Visa Disclosure Q1
Agreement filed with the CFPB
- Annual fee
- $0
- Foreign tx fee
- None
All 12 agreements from First Technology Federal Credit Union
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.