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Credit Builder Secured Visa® Credit Card

Start Building Better Credit Today!

  • Help improve your credit score
  • No credit history or minimum credit score required
  • No application fee
  • No annual fee
  • Automatic reporting to 3 major credit bureaus

How to get started:

  1. Apply for a secured Credit Builder Credit Card, a product designed to help establish or rebuild credit.
  2. Deposit an amount from $300 up to $3,000 into a Credit Builder Savings Account which will set the credit limit you request. Example, if you are applying for a $500 Secured Credit Card, you will also need to deposit $500 into a Credit Builder Savings Account. 
  3. Make monthly payments equal to at least the minimum payment amount shown on your monthly statement. By making on-time payments and keeping your balances low, you are doing what you can to improve your credit. 

What You Need to Know

  • No Annual Fee
  • 25.99% fixed annual percentage rate (APR)
  • Credit Builder Savings Account required
  • $5.00 quarterly fee charged to the Credit Builder Savings account if not enrolled in eStatements
  • Increase your credit limit by adding $50 increments to the Credit Builder Savings account
  • View Rates and Fees (PDF)

Subject to credit approval. Improved credit score is not guaranteed. Credit score is determined by credit reporting agencies based on multiple factors, but satisfactory performance on a credit card product can improve your credit score. Default on a credit card, including missed or late payments can damage your credit score. Once added, funds cannot be withdrawn from the savings account without closing the savings account and the credit card.

25.99% Annual Percentage Rate (APR) for All Purchases, All Balance Transfers, All Cash Advances

Paying Interest - Your due date is at least 25 days after the close of each billing cycle. We will not impose interest charges on purchases or balance transfers if you pay your entire balance in full by the due date each month. We will begin charging interest on cash advances on the transaction date.

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at

Annual fee: None.

Balance Transfer fee: None.

Cash Advance Fee: $5.00 or 2% of the amount advanced, whichever is greater.

Currency Conversion Transaction Fee: 1.0% of each transaction in US Dollars, if currency conversion occurs. 

International Transaction Fee: 0.8% of each transaction in US dollars, if no currency conversion occurs.

Penalty Fees-

Late Payment fee up to $25.00.

Return payment fee up to $25.00.

No over the limit fee.

Other Fees: 

Card replacement fee is $5.00 per card prior to the normal reissue date.

Copying fee is $4.00 per-page fee for copies of transaction documents or statements unless we are required to provide them when resolving a billing dispute.

HOW WE WILL CALCULATE YOUR BALANCE: We use a method called, "average daily balance (including new purchases and balance transfers)."

Important Information

To help the government fight the funding of terrorism and money laundering activities, U.S. Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. As you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your drivers license or other identifying documents. Legal Entities may be required to certify ownership and managerial control information.