You must be a member of Agriculture FCU to apply for this card. Secured VISA card is designed to help establish or re-establish your credit. You must maintain a share savings account balance equal to the credit line you wish to receive. Late Payment Fee: $35 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. In the event you fail to make a payment on time in any of the six (6) billing cycles following the initial violation, you will be charged $30 or the amount of the required minimum payment, whichever is less. Returned Payment Fee: Up to $25. Per the website's FAQ: All the cards come with penalty pricing, which means that if your account becomes 60 days delinquent, the rate will be increased to 17.9% APR and remain at that rate until it has been current for 6 months, after which the rate will revert to its original percentage.