Everyday Rewards Visa (secured) from Mid American CU: deposit, fees and APR
Fact sheet for the Everyday Rewards Visa (secured), issued by Mid American CU, with no annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.
| Issuer | Mid American CU |
|---|---|
| Network | Visa |
| Annual fee | $0 |
| Rewards | Points: Pile up points with every purchase and redeem points earned as cash back, pay with points, check-out with points, gift cards and merchandise |
| Purchase APR | Everyday Rewards VISA 14.90% Fixed APR |
| Balance transfer fee | No balance transfer fees |
| Foreign transaction fee | 1% of each transaction |
| Credit level | Good, Poor, Limited (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 14.90%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.
Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.
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Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. midamerican.coop/loans/visa-credit-cards · midamerican.coop/loans/loan-rates · files.consumerfinance.gov/f/documents/cfpb_tccp-data_2025-1…