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Cards: Visa Share Secured Credit Card


Share Secured Visa Credit Card

Rates as low as

9.72% APR *



Woman looking at her phone while holding her Topside share secured credit card.


Enjoy the Benefits of a Share Secured Visa Credit Card


Establish or Repair Credit

Make your credit card payments on time each month and you'll start to see your credit improve.

Secured by Your Savings

Enjoy a credit line of $500 to $6,000 and let the funds in your savings account grow.

Competitive Interest Rates

Enjoy the same low APR on your purchases, cash advances, and balance transfers.

No Annual Fee or Extra Charges

We won't hit you with unnecessary fees or punish you with a hiked-up default rate.

Check Out Our Low Share Secured Visa Credit Card Rates

Effective as of 05/30/2023 and subject to change.

  Share Secured Visa Credit Card
Credit Amount $500 - $6,000
Fees No Annual Fee
No Over Limit Fee
Late Payment Fee: up to $20
Returned Payment Fee: up to $20
Balance Transfer Fee: 3% of the balance transfer total or $5.00, whichever is greater
International Transaction Fee: 1% of each foreign currency transaction; .80% of each US dollar transaction in foreign countries
Stop Payment Fee for credit transaction: $32
Card reissue Fee: $10 per card, one free per calendar year
Express Card Fee: $50 per request
We also have instant issue credit & debit cards in all of our branches. The card reissue fee applies to these products while the $50 Express Card Fee does not.
Annual Percentage Rate 9.72%
Purchases 9.72%
Balance Transfers 9.72%
Cash Advances 9.72%


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Share Secured Visa Credit Card

A Share Secured Visa Credit Card is a stepping stone to financial security. With a credit line tied to the funds in your savings account, you'll never spend more than you have.

Consider this card if:

  • You're at the start of your financial journey and need to establish or build credit.
  • You've made a few mistakes and need to repair your credit.

All you need to do is make your minimum payment on time each month. Use less than 30% of your available credit for a further credit boost.

For added security, the MyCardRules app lets you turn your cards on and off, set spending limits and get alerts, all from your mobile device.

Apply Now
Woman sitting at a coffee table looking at her phone with her Topside share secured card in her hand.




“Top level credit union. PERFECT size, large enough to offer competitive loan rates, but small enough to still care about members.”




Great Features of a Share Secured Visa Credit Card

Leverage Your Savings

Get a credit limit based on the balance of your savings account, and keep your funds intact.

Easier to Qualify

Because this card is secured, you may qualify with lower credit scores than usual.

Generous Rates

We run on a not-for-profit business model so we can give you lower rates and fewer fees.

Non-Variable APR

Relax knowing your rate is the same for balance transfers, cash advances, and purchases.

Check Your Account 24/7

Use Mobile or Online Banking to find out your balance, make payments, and more.

Protection From Fraud

If your card is lost or stolen, you won't be liable for any unauthorized purchases.


Topside Federal Credit Union Contact Options



FAQs About Our Share Secured Visa Credit Card



Take Advantage of More Visa Products and Services

Visa Account Updater

Merchants can automatically get your new details if your card is reissued, lost, stolen, or compromised.

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Visa Checkout

Save time when you shop online. Enter your details once, then use a single, secure log-in to make purchases from any device.

Learn More

Visa Check Cards with ScoreCard® Rewards

Get rewards for the everyday purchases you put on your debit card.

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Balance Transfers

Pay down high-interest debt and enjoy one simple monthly payment at a non-variable rate.

Learn More