Secured Visa Credit Card
Build credit with every purchase.
If your credit needs a little work, a Secured Visa Credit Card may be a good fit
Build a positive payment history and improve your credit score with this credit card designed specifically for that purpose.
Secured Visa Credit Card
Build credit
Great solution if your credit needs a little work. Set a spending limit and use it like you would any other card. Improve your credit score as you pay off your balance.
Enjoy Same Rates
Rates for the Secured Credit Card are the same as our Platinum Rewards.
Upgrade to Rewards
When you have built a good payment history with the Secured Credit Card, you can apply for a Platinum Rewards Credit Card.
Mobile Pay
Compatible with Apple Pay, Google Pay, and Samsung Pay—so you only need your phone to pay.
Convenient Management
Manage your card in the Seattle Credit Union app. Turn your card on and off, set restrictions, schedule alerts and more.
How Does A Secured Credit Card Work?
Your path to rebuilding your credit or establishing credit with a Secured Visa Credit Card from Seattle Credit Union looks like this:
- With a secured card, you set the limit.
- The secured credit card process starts with you applying for the credit card.
- When approved you then make a deposit into a Seattle Credit Union savings account. The amount you deposit is what you’d like your credit card limit to be.
- You can choose to deposit: $250, $500, or $750.
- We then place a hold on the funds as long as the credit card is open.
- You can use the Secured Visa Credit Card just like you would any other credit card.
Similar to other credit cards, as you make required payments reporting occurs to help you strengthen your credit score. Once your credit approves you can then apply to upgrade to our Platinum Rewards Visa Credit Card.
Current Credit Card Rates
|
Transaction Type |
VISA Platinum |
VISA Platinum Secured |
|---|---|---|
|
Effective as of February 19th, 2026. APR* – Annual Percentage Rate We will not charge you interest on purchases if you pay your entire balance owed each month within 25 days of Your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date. How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See Your Account Agreement for details. |
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|
Transaction Type Purchases APR* |
VISA Platinum 10.74% – 25.74% (variable) |
VISA Platinum Secured 10.74% – 25.74% (variable) |
|
Transaction Type Balance Transfers APR* |
VISA Platinum 10.74% – 25.74% (variable) |
VISA Platinum Secured 10.74% – 25.74% (variable) |
|
Transaction Type Cash Advances APR* |
VISA Platinum 10.74% – 25.74% (variable) |
VISA Platinum Secured 10.74% – 25.74% (variable) |