Boost your credit score
Looking to build or rebuild credit? You can boost your score with this low-rate, secured Visa Credit Card.
Rates as low as
Monthly Payment
Perfect for first and second chances
Whether you’re just starting to build your credit, or you’ve had a few slip-ups in the past, this is the perfect card for you. To sign up, you’ll pledge cash as collateral, which is deposited into a non-interest bearing share account. The amount you pledge determines your credit limit. These funds stay restricted as long as your credit card has a balance, so your card is continuously secured. As you use this card and make timely payments on it, you can watch your score climb higher each month. Eventually, you’ll have great credit that can help you obtain any loan at an excellent interest rate.
Free travel accident insurance
24 hour telephone support
Zero liability for fraud
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1
Apply
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2
Review
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3
Approval
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Rates and terms may vary based on a borrower’s credit qualifications. All loan rates are determined by Credit Union management and subject to change at any time. The Credit Union may offer other rates in the future. All services offered by the Credit Union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, Credit Union bylaws and all regulations, rules and practices now or hereafter adopted by the Credit Union. All loans subject to credit approval.
Credit limit is based on the balance in the savings you pledge to secure the credit card; minimum credit limit $500 and the savings balance pledged does not earn interest. No Credit Union fees for cash advances. Cash Advance APR will remain your standard purchase APR, based on your creditworthiness.
Rates
| Type | APR | Rewards Program |
|---|---|---|
|
Preferred VISA12* |
|
Preferred Rewards |
|
Secured VISA13 |
|
Preferred Rewards |
f - fixed
v - variable
a - adjustable
Rates and terms may vary based on a borrower’s credit qualifications. All loan rates are determined by Credit Union management and subject to change at any time. The Credit Union may offer other rates in the future. All services offered by the Credit Union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, Credit Union bylaws and all regulations, rules and practices now or hereafter adopted by the Credit Union. All loans subject to credit approval.
*The Annual Percentage Rate is variable and is figured on the following basis: The Annual Percentage Rate will be calculated on the last day of each calendar quarter. The Credit Union starts by calculating the index, which is the average auction rate on 26-week U.S. Treasury Bills for the prior 3 months, rounded up to the nearest ÂĽ%. The Credit Union adds a margin to the index. The amount of the margin is based on your credit profile and other factors the Credit Union deems appropriate. The margin for your account will be disclosed in a document provided when your account is opened. The total of the index plus the amount the Credit Union adds is the Annual Percentage Rate. The Annual Percentage Rate is divided by 12 to produce the monthly Periodic Rate. The adjustment of the Annual Percentage Rate affects your entire outstanding balance and is effective for the second full statement cycle following the calculation date. The minimum Annual Percentage Rate on your account is 8.75%. We will review your credit profile from time to time and may adjust the amount of the margin (and the resulting Periodic Rate and Annual Percentage Rate) based on your credit profile.
12 No annual fee. 25-day grace period for purchases. Credit limits to $25,000. No Credit Union fees for cash advances.
13 Credit limit is based on the balance in the savings you pledge to secure the credit card; minimum credit limit $500 and the savings balance pledged does not earn interest.
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