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With USAA there are two types of memberships, 1) limited membership, which is open to anyone and 2) full membership, which has certain criteria to be eligible. The secured MC is for full members only.
That isn't necessarily true. I am a limited member with USAA and I have the secured card. However, I was able to get on board almost nine monthes ago.
Citi secured CD's now only pay 1% APR. Looks like you just got in under the wire.
Woah! That sucks. I knew they couldn't sustain 4.07%, especially in this economy. But 1% on an 18 month CD is about as low as it gets... Still, it's nice that your deposit earns anything at all, most secured cards don't do that.
Fun ride while it lasted...