Cards: Visa 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 01/31/2023 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% |
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
★★★★★
“Top level credit union. PERFECT size, large enough to offer competitive loan rates, but small enough to still care about members.”
-Ponderscythe
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
- What's the credit limit on my Share Secured Visa Credit Card?
- Can I access my savings funds while I use my Share Secured Visa Credit Card?
- Do I have to pay an annual fee on my Share Secured Visa Credit Card?
- How much interest will I pay each month?
- Can I transfer my credit card balance from another lender to my Topside 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.
Learn MoreVisa 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 MoreVisa Check Cards with ScoreCard® Rewards
Get rewards for the everyday purchases you put on your debit card.
Learn MoreBalance Transfers
Pay down high-interest debt and enjoy one simple monthly payment at a non-variable rate.
Learn More
Disclosures: https://www.topsidefcu.org/important-credit-card-disclosures