Serving active military, retired military and civilian customers. The Credit Builder secured credit card from Armed Forces Bank gives you a simple way to build - or rebuild - your credit. Card is secured by a savings account, with the ability to increase credit limit by adding funds to savings account. Cash Advance Fee: $10.00 or 3% of the transaction amount, whichever is greater. Currency Conversion Transaction Fee: 1.0% of each transaction in U.S. dollars if currency conversion occurs. International Transaction Fee: 0.8% of each transaction in U.S. dollars if no currency conversion occurs. Annual Fee: $25; $2 quarterly fee charged to the Credit Builder Savings if not enrolled in e.Statements.