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Share-secured Visa

Build your credit with confidence

Are you looking to improve your credit? Do you have little to no credit history? If yes, then a DFCU Share Secured Visa might be for you! With a credit line up to $25,000 that's secured by money you deposit in a share account; you can work on building a positive credit history today!

  • Fixed APR*
  • No annual fee
  • $500 minimum deposit
  • Funds will be deposited and held in a Share Secured Savings Account
  • Earns 0.15% APY* on balances of $1,000 or more
  • No cash advance fee
  • Same low rate for transactions, cash advances and balance transfers
  • MyCardInfo - View your transactions, make payments and more (All users must click Enroll for first time use. Your previous EzCardInfo credentials will not work for logging into MyCardInfo.)
Apply Now
Interested in a Share Secured Visa?

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Or call us at 562.862.8141


  • Fixed interest rate
  • 25-day grace period on all purchases (before interest begins to accrue)
  • $500 minimum balance required to open account and to earn dividends
  • 0.15% dividend rate (APY*) for Share Secured Savings Account
    • Dividends compounded daily and paid quarterly on average daily balance
  • Accepted worldwide, anywhere the Visa logo is displayed
  • Minimum payment due each month is 2.5% of balance, with a $20 minimum
  • Free Convenience Checks
  • ATM access for cash advances, wherever the Visa logo is displayed
  • Visa Secured Disclosure Information
  • $20 fee for late payments
  • $15 fee for returned payments
  • No charge for over-limit transactions
  • No annual fee or cash advance fee
  • Foreign Transaction Fees
    • Transactions made in foreign currency: 1% of each transaction in US Dollars
    • Foreign transactions billed in US dollars: 1% of each transaction in US Dollars


*APR=Annual Percentage Rate. Rates may change at any time without notice. The actual rate and approval of a loan is determined by creditworthiness, FICO/credit score and other factors. DFCU standard lending rules and regulations apply. Please speak to a Loan Rep. for complete promotional details, qualifying criteria, disclosures and other rates and terms.