Avadian Credit Union

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Secured Credit Card

You know the old saying, "The only way to get credit is to have credit." However for those just starting out in the real world and those who have had some financial setbacks, establishing good, healthy credit is no easy task. We want to change that with our Secured Credit Card.

We designed our Secured Card to help those with no credit history (and who may not qualify for our unsecured credit cards) build their credit as well as help those with poor credit history rebuild their credit. With easy and convenient access to funds and a great, low interest rate, our Secured Card teaches financial discipline while forming positive spending habits.

How it works:

  • Deposit an approved loan amount of $250-$5,000 into a savings account. The credit limit on your Secured Card will equal the amount of money in this savings account. We consider this deposit "collateral" and thus secures your card. Note this account does not allow you to make withdrawals. 
  • Shop with your Secured Card wherever VISA® is accepted. As with any credit card, your purchases will be billed to you each month, and you are responsible for making at least the minimum monthly payment by the due date. Payments are not deducted from your Secured Visa savings account. By using your card and then paying it off, you are establishing a history of on-time payments, which establishes you as a responsible borrower. You establish better credit and eventually could be eligible for an unsecured credit card.
  • The Secured Card features a great low rate. Click here for the latest credit card rates.
  • The Secured Visa savings account does earn interest like your basic savings account. Click here for the latest savings rates.
  • The Secured Card looks like our other credit cards and has no additional fees.

Take the first step toward gaining control of your finances.
Apply for our Secured credit card today!

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