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Security Service Federal Credit Union · Mastercard

Security Service Power Mastercard

Balance Transfer Standard No Foreign Fees
$0 Annual Fee
9%–18% Variable Purchase APR
580+ Recommended FICO
Browse Cards Security Service Federal Credit Union Security Service Power Mastercard

Rewards

CategoryRateTypeCap
All Other Purchases
This card does not earn rewards; it is a low-interest rate credit card.
0x Points No cap

Benefits & Protections

No Foreign Fees
Purchase Protection
Extended Warranty
BenefitCategoryValue / Coverage
Low Variable APR
The card offers a low variable APR starting as low as 9.00%, making it one of the more competitive low-interest cards available through a credit union.
Financial Starting at 9.00% APR
No Annual Fee
The Security Service Power Mastercard carries no annual fee, providing low-cost access to credit union credit.
Financial $0 annual fee
Up to $0
No Foreign Transaction Fee
No foreign transaction fees are charged on purchases made outside the United States.
Financial 0% foreign transaction fee
Up to $0
Extended Warranty Protection
Extends the original manufacturer's warranty on eligible purchases made with the card.
Insurance Complimentary
Purchase Protection
Covers eligible new purchases against accidental damage or theft for a limited period from the date of purchase.
Insurance Complimentary
Fraud Protection
24/7 monitoring for suspicious account activity with alerts and cardholder support to resolve fraudulent transactions promptly.
Security Complimentary
Mastercard ID Theft Protection
Identity theft resolution services provided through Mastercard's global network to assist cardholders in the event of identity theft.
Security Complimentary
Zero Liability Protection
Cardholders are not held responsible for unauthorized purchases made with the card, subject to Mastercard's Zero Liability policy terms.
Security Complimentary

Interest Rates

Purchase APR9%–18% Variable
Balance Transfer APR18%
Cash Advance APR18%

Fees

Annual Fee $0 — No Annual Fee
Authorized User FeeFree
Foreign Transaction FeeNone
Late Payment FeeUp to $25
Returned Payment FeeUp to $25

Approval & Eligibility

580 Recommended minimum FICO · Range 580–850
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyEasy
Credit ProfileFair
Approval OddsGood
Decision Time1-3 days
Co-ApplicantAllowed

Issuer Rules & Restrictions

Shutdown Risk Triggers
Excessive cash advances, suspected fraudulent activity, loss of membership eligibility, violation of credit union account terms
International Friendly
This card works well for international travel and transactions.
Additional Issuer Rules
Security Service Federal Credit Union does not publish explicit application frequency restrictions or bonus eligibility rules comparable to major bank issuers. Membership eligibility is a prerequisite for card application, requiring military affiliation, qualifying employer relationship, or residency within SSFCU's defined service areas in Texas, Colorado, and Utah. As the Power Mastercard carries no welcome bonus, there are no spend-based bonus restrictions or cooldown periods to observe.
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.
Security Service Federal Credit Union
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.
APR 9%–18% Variable
Quick Summary
Annual Fee Free
Foreign FeesNone
Min. FICO580+
NetworkMastercard
Card TypeBalance Transfer
Online
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