Secured Visa Classic
Secured Visa Credit Card
Rewrite your credit history
Our secured Visa® card is a great way to establish or reestablish your credit history.
Rates
Fixed APR as low as
Balance Transfer Rate
Fixed
Fees
No annual fees
No balance transfer fees
No cash advance fees
Secured VISA
Our Secured VISA gives you the convenience of a low APR credit card that earns reward points while helping improve your credit. A security deposit is required up to the approved credit limit.
Your timely payments are reported to the credit bureaus which helps to build or rebuild your credit. We review your account periodically to see if you qualify for a higher limit or an upgrade to an unsecured card.
This card is best for:
Rebuilding Credit History
Getting Value Rewards
New or Low Credit
Get rewards and increase your credit score by paying on time.
There are so many great reasons to carry a FECA Visa® Premier credit card.
No annual Fees Low Interest Rates Rewards for Use Security from fraud
The benefits of the FECA Secured Visa
Low Limit & Low APR
A refundable deposit is required to be held in a secured savings account. The Secured Visa card’s limit is the same amount as your security deposit. The security deposit also allows us to provide the card with a low-interest rate.
A card for everyday purchases
Use your card wherever credit cards are accepted. It looks and works the same as a traditional credit card. No one can tell it’s different from our standard Visa Classic. Better yet, the Secured Visa has the lowest rate of any of our credit cards.1
Build your credit
We monitor your card activity and report your card status to the credit bureaus. Spending within your limit & paying your Secured Visa bill monthly should help build your credit over time.
All FECA credit cards feature:
- No annual fee or balance transfer fee
- Free 24/7 fraud monitoring service
- Immediate online cash advance availability
- Security: EMV Chip Technology, Visa Secure Verification, Fraud notifications, tokenized transactions from your mobile wallet
- Mobile Wallet: Add your secured card to your mobile device for convenient & secure payments with just a tap.
- AutoPay: Set automatic pay options to pay bills on time and avoid late fees.
Online Payment Portal
Making card payments from an outside account? Click here to make an easy online payment (email address and passcode required).
Need Credit Advice?
Our Credit Solutions Team is here to help any member struggling with debt. Get free consultations about your specific situation to improve your credit and financial quality of life. Team members are certified through NACCC (National Association of Certified Credit Counselors). If you’re trying to build first-time credit or rebuild a discharged bankruptcy, our Credit Solutions Team can work to develop a plan to improve your credit so you can qualify for better loan terms.
Ready to redeem your Value Rewards?
Check your Rewards balance and see what merchandise awaits!
What is a Secured Visa?
A “secured” card means that you have set aside money in an account ready to pay the card. The money is called a Security Deposit. FECA holds the funds in a separate savings account, but this money doesn’t cover your monthly payments. These funds only allow you to open the account and act as collateral if you default on payments. The deposit is refundable if you close the account or move to an unsecured card.
The FECA Secured Visa can be a great option for those trying to build or rebuild credit. It gives you experience in using a credit card, can help build credit and increase your credit score, and can help you move to a different card with a higher limit.
Payment history is the most important factor in your credit score. This makes it important to pay your Secured Visa bill in full and on time each month. Late payments, missed payments, and exceeding your credit limit can harm your credit. If you consistently make on-time payments with your FECA Secured Visa card, positive information will be reported to the credit bureaus, which helps you build credit.
How Credit Cards Work
Credit Cards are valuable tools for everyday purchasing and to building credit. Learn how to use them responsibly.
Understanding Credit
Learn the basics of credit scores, what affects your credit, and how to build a strong credit history.
APR = Annual Percentage Rate
APR information is accurate as of
and is subject to change after that. APR is determined by the product type, individual creditworthiness, and will vary with the market based on the U.S. Prime Rate. Your final rate is based on an evaluation of credit history, so your rate may differ from what is shown. Not all applicants will qualify for the lowest rate. For details visit our Disclosures.
How to Improve your credit History…
With a low APR and the ability to earn reward points, our card is the perfect tool to improve your credit score. A security deposit is required, but your timely payments will be reported to credit bureaus, helping you build a positive credit history. Apply now and start your journey to better credit.