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. The card company will not charge you interest on Purchases if you pay your entire balance by the due date each month. 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 is up to $25. 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.