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
- No annual fees or cash advance fees
- FREE rewards program.
Just two days to potential approval
We pride ourselves on our fast response times. Fill out an application now and we’ll get back to you soon.
- Online Application
Rates as low as
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.