Whether you're just establishing credit or need help restoring credit, an SCCU Savings-Secured credit card is the perfect credit building tool. Share-Secured cards use the money that's on deposit in your share savings account as collateral for the credit limit.

The amount to be secured will be determined at the time you apply and may be up to 150% of the total credit limit, based on your credit rating. The minimum credit limit is $300. The interest rate is a variable rate based on your credit history and is subject to change quarterly.

You may apply to unsecure your credit card after a period of one year with good payment records.

If you don't have $300 to secure your credit card, why not try to save your money in an SCCU My Way Account? There's no opening deposit requirement and you can name it whatever you would like!