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Visa® Secured Credit Card: Benefits

Are you trying to establish or improve your credit? SCCU's Savings-Secured Credit Card will not only protect you with spending guidelines, it will also reward you with Cash Back rewards2. Apply today and begin building your credit!

  • 5.99% intro APR* on purchases and non-SCCU balance transfers for first 6 months1
  • Thereafter, rates for purchases and cash advances are fixed at 17.99% APR1
  • Uses money in your Share Savings Account as collateral for credit line
  • Amount may be up to 100% of the total credit limit, based on your credit rating Minimum credit limit is $300.
  • You will be required to secure 100% of credit limit. Ex: a credit limit of $300 will require $300 to be held in your savings as collateral for the credit line.
  • 1% Cash Back Rewards2
  • May apply for Platinum Visa® credit card after one year of good payment history



All SCCU Credit Cards Feature:

  • No tricks, like double-cycle billing or short grace periods
  • Zero liability for fraudulent transactions and ongoing fraud monitoring service3
  • Free Online Banking & Mobile Banking
  • Free Account Alerts to help you manage your accounts


Important Phone Numbers
Lost/Stolen Card: 800-447-7228


*APR = Annual Percentage Rate. 

1Annual Percentage Rate (APR). Introductory rate applies to new Student & Secured SCCU cardholders only. Existing members with current SCCU credit cards may not transfer a balance to qualify; existing and new members must apply for a new credit card to qualify. After the expiration of the introductory rate an APR of 17.99% will apply. Contact SCCU for full terms, conditions, and disclosures.

The information about the costs of the card described is accurate as of the date of publication. This information may have changed after that date. To find out what may have changed, contact us. See our Terms and Disclosures document for additional details.

2Earn Cash Back rewards on all qualifying purchases. See our Cash Back Terms and Conditions.

3Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN, or other transactions not processed by Visa. You must notify SCCU immediately of any unauthorized use. For specific restrictions, limitations, and other details, please consult SCCU.