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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!

  • 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.)
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Interested in a Share Secured Visa?

Simply provide your name and phone number and we’ll give you a call.

Call Request Form - Mobile

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.