Visa Secured Card

Build or rebuild your credit

If your credit needs a boost, this savings-secured Visa card can help you build a positive credit history.

Enjoy these card features and benefits

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  • Fixed rate of 12.99% APR*
  • Your savings determine your credit limit, up to $15,000
  • Use 90% of your savings balance as a line of credit
  • No annual fee**
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More reasons to get this card:

*Loan subject to credit approval.

**Although there is no annual fee, other fees may apply such as cash advance fees (1.5% of the cash advance amount), foreign transaction fees (0.80% of transaction amount if in U.S. dollars, 1% of transaction amount if must convert to U.S. dollars), late payment fees, or other account fees and changes. Click here for a copy of our Cardholder Agreement.

Educate Yourself: Wiki University

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Establishing Credit

Whether you are new to credit or are trying to "clean up" past mistakes to reestablish...

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Rebuilding Credit

Know Your Starting Point: obtain a copy of your credit report from all three credit...

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*Visit our Visa Rewards site to view the awards catalog or to learn more about the program rules and details.

Not a member of University Credit Union yet? Here are some reasons to join:

Member-owned - We’re owned by our members, so our only purpose is to serve you

Local to Utah - We care about, serve in, and invest in our local community

Loyal to You - The decisions we make are to serve you, our members, not a for-profit board

Become a Member