SCCU Visa® Secured Credit Card
Establish your credit the secure, easy way
Looking to establish or rebuild your credit? This secured credit card uses your savings as collateral, helping you build a positive credit history with tools that make it easier to stay on track.
See our Consumer Credit Card Agreement and Application Solicitation Disclosure.
By applying, you acknowledge you can access and retain these disclosures.
A Secure, Simple Way to Build Credit
- Build or Rebuild Credit — Establish credit history with responsible use.
- Secured by Your Deposit — Your refundable deposit sets your credit limit so there’s no surprises.
- Easier Approval Path — Designed for those who may not qualify for a traditional credit card.
- Path to Upgrade — Build positive history and work toward transitioning to an unsecured card.
Built-In Benefits
Card Controls & Alerts
Manage your card, set alerts, and track activity in Online & Mobile Banking.
Real-Time Fraud Alerts
Get notified of suspicious activity and respond quickly.
Visa Zero Liability® Policy
You’re protected from unauthorized transactions.
Contactless Payments
Tap to pay for a secure, convenient, and touch-free way to check out.
Digital Wallet Compatibility
Add your card to mobile wallets for secure payments online, in apps, or in stores.
Automatic Card Updates
Visa Account Updater® (VAU) helps keep recurring payments working after reissue.
| Standard APR* for Purchases |
As low as 17.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.) |
|---|---|
| Standard APR* for Balance Transfers |
As low as 17.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.) |
| Standard APR* for Cash Advances |
As low as 17.74% APR* (APR* is based on creditworthiness and may vary with the Prime Rate.) |
| Annual Fee |
$0 |
| Cash Advance Fee |
$0 |
| Balance Transfer Fee |
$0 |
| International Transaction Fee |
1% of the converted transaction amount |
| Other Fees |
Late Payment Fee: up to $27 |
| Minimum Finance Charge |
$0.50 |
| Credit Line Amounts |
Minimum: $300 |
| Required Minimum Deposit |
$300 |
| Regular savings account can be used as collateral for the credit line |
Yes |
| Co-Signer Needed |
No |
| Requires a joint account holder who is a parent or legal guardian |
Yes |
Quick Links
FAQs
▸ 1. How does a Visa® Secured Credit Card work?
It uses a savings deposit to help establish your credit line, providing added security while you use the card for everyday purchases and build a positive credit history with responsible use.
▸ 2. What is the minimum deposit and credit limit for a SCCU Visa® Secured Credit Card?
The minimum deposit is $300, which equals the minimum credit limit. Your credit limit is based on your deposit amount, up to the maximum allowed, and helps set clear spending boundaries while you build credit.
▸ 3. Is my security deposit refundable on the SCCU Visa® Secured Credit Card?
Yes. Your deposit remains in your savings account and is refundable, subject to account terms. The deposit may be returned if the card is closed or upgraded and the account balance is paid in full.
▸ 4. Do I need a co-signer or joint owner to apply for a SCCU Visa® Secured Credit Card?
No. A co-signer isn’t required to apply. Approval is based on meeting membership requirements and providing the required security deposit.
▸ 5. How can the SCCU Visa® Secured Credit Card help me build or rebuild credit?
Using your card responsibly, such as making payments on time and keeping your balance low, can help you establish or rebuild your credit history over time. Your payment activity is reported to credit bureaus, which can strengthen your credit profile.