Available to Teachers FCU members only. For members who are new to the world of credit or want to start rebuilding a good credit history, a secured card is the perfect choice. Members must have on deposit, in a savings account, an amount equal to or greater than the credit card limit, to serve as security for the card. The money on deposit earns interest, but must remain in the account while you have the card. 25 day grace period on purchases. Balance Transfer Fee: $5 or 2% of the amount of each balance transfer, whichever is greater. Cash Advance Fee (ATM): $5 or 2% of the amount of each cash advance, whichever is greater. Cash Advance Fee (Over-the-Counter): $0.01 or 2% of the amount of each cash advance, whichever is greater (Maximum Fee: $999.99). Foreign Transaction Fee: 1% of each multiple currency transaction in U.S. dollars; 0.80% of each single currency transaction in U.S. dollars. Returned Convenience Check Fee Up to $15.