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FourLeaf Federal Credit Union · Mastercard

Mastercard Secured Credit Card

Secured Secured
$0 Annual Fee
See terms Purchase APR
300+ Recommended FICO
Browse Cards FourLeaf Federal Credit Union Mastercard Secured Credit Card

Rewards

CategoryRateTypeCap
All Other Purchases
This credit-builder card does not offer rewards points or cash back on purchases.
0x Points No cap

Benefits & Protections

BenefitCategoryValue / Coverage
Credit Building Reporting
Account activity is reported to major credit bureaus, allowing cardholders to establish or rebuild their credit history through responsible use.
Financial Complimentary
No Annual Fee
The Mastercard Secured Credit Card carries no annual fee, allowing members to build credit without a yearly cost burden.
Financial $0 annual fee
Up to $0
Mastercard ID Theft Protection
Provides identity theft resolution services to help cardholders recover from identity theft incidents, including assistance with disputed accounts and fraud alerts.
Security Complimentary
Zero Liability Protection
Cardholders are not held responsible for unauthorized purchases made with their Mastercard, providing protection against fraudulent transactions.
Security Complimentary
Mastercard Global Service
Provides 24/7 worldwide emergency assistance including emergency card replacement and emergency cash advance services while traveling.
Travel Complimentary

Approval & Eligibility

300 Recommended minimum FICO · Range 300–669
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyEasy
Credit ProfileFair
Approval OddsVery Good
Decision Time1-3 days
Student EligibleYes

Issuer Rules & Restrictions

Shutdown Risk Triggers
Manufactured spending, excessive cash advances, multiple applications in short period
Additional Issuer Rules
FourLeaf Federal Credit Union does not publish formal application velocity rules or card-family bonus restrictions comparable to major bank issuers. Membership eligibility is a prerequisite for application, and a refundable security deposit is required to open the secured card. No community-documented churning rules or cross-card blocking rules are known for this product.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
SCRA Benefits
Interest rate capped at 6% on pre-service balances during active duty military service per SCRA requirements
Hardship Program
Hardship program available.
FourLeaf Federal Credit Union
$0
Annual Fee
Apply Now
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Quick Summary
Annual Fee Free
Min. FICO300+
NetworkMastercard
Card TypeSecured
Online
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