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SEIU Secured Visa® Card from FNBO: deposit, fees and APR
Fact sheet for the SEIU Secured Visa® Card, issued by FNBO, with no annual fee. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.
Issuer
FNBO
Network
Visa
Annual fee
$0
Rewards
No rewards
Purchase APR
23.49% when you open your account. This APR will vary with the market based on the Prime Rate.
Balance transfer fee
Either $10 or 5% of the amount of each transfer, whichever is greater
Foreign transaction fee
3% of each transaction
Credit level
Excellent, Good, Poor (tiers the issuer reports to the CFPB)
Secured
Yes, a refundable deposit sets the limit
What new cardholders actually got
In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 24.24%, with a range of 23.74% to 24.24%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.
Every article is checked against primary sources: the Consumer Financial Protection
Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece
and say when.
How we make money
Some pages contain partner links that may earn us a commission. This never changes what we publish and costs you nothing. No lender pays for placement or for a
better review, and nobody outside our editorial team sees a piece before it runs.
What we are not
Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.