Build Your Credit. Establish Your Financial Future.
Whether you're building credit for the first time or working to rebuild your credit history, a Circle Federal Credit Union Visa Secured Credit Card can give you the opportunity to establish responsible credit habits and work toward greater financial stability.
Designed for members with little-to-no established credit history or those looking to re-establish their credit, the Visa Secured Credit Card provides a convenient way to access credit while building a stronger financial foundation for the future. Responsible use of your card may help prepare you for future lending opportunities, including an auto loan, personal loan, or mortgage.
Why Choose a Visa Secured Credit Card?
- Fixed 9.9% Rate — Enjoy a fixed annual percentage rate of 9.9%.
- Credit Limits Starting at $250 — Get started with a minimum credit limit of $250.
- No Credit Report Needed — A traditional credit report is not required for this secured credit card.
- Designed for Credit Building — Use your card responsibly to establish or re-establish your credit history.
- Accessible Starting at Age 12 — Members may qualify beginning at age 12 with a qualified co-borrower of legal age.
How Does a Secured Credit Card Work?
A Visa Secured Credit Card is backed by funds held in your Circle Federal Credit Union Savings Account. Your savings balance provides the security for the credit line while allowing you to use your Visa card just like a traditional credit card.
You can use your card for everyday purchases wherever Visa is accepted, while making regular payments toward your balance. By using your card responsibly and making payments on time, you can develop positive credit habits and work toward establishing a stronger credit history.
Because the card is secured by your savings, it can provide an option for members who may not qualify for a traditional unsecured credit card.
Manage Your Card Online
Managing your Visa Secured Credit Card is easy through ItsMe247 Online Banking. Once logged in, you can:
- View your current credit-card balance
- Review recent transactions
- Make your credit-card payment electronically
- Keep track of your account activity
Having convenient online access makes it easier to stay informed about your balance and manage your payments.
Need to Change Your PIN?
For your convenience, you may change your PIN to a number that is easier for you to remember. Call 1-866-297-3411 to change your PIN. You must know your current PIN before requesting a PIN change.
All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Circle Federal Credit Union members only. Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender.
