Features
- $500 - $1,000 Credit Limits
- Secured with your own funds to build your credit
- No Balance Transfer Fee
- No Cash Advance Fee
- No Annual Fee
- Several convenient payment options
- Digital Wallet
Credit Cards
Visit our Financial Education Center and Learn how credit cards work, what features to look for, and how to manage a credit card responsibly.
Rates & Fees
| Visa Credit Card Disclosure | |
|---|---|
| Annual Percentage Rate (APR) for Purchases, Cash Advance and Balance Transfer | Secured VISA® 14.90% |
| Grace Period for Purchases | 25 Days |
| Estimated Payment | 2% of Balance ($20 minimum) |
| Annual Fee | None |
| Minimum Finance Charge | None |
| Transaction Fee for Purchases | None |
| Application Fee | $35.00 |
| Foreign Transaction Fee | Single Currency - 0.80%* Multiple Currencies - 1.00%* |
| Late Payment Fee | $25.00 ** |
| Cash Advance Fee | None |
| Return Check Fee | $25 |
* of transaction amount.
** if ten (10) or more days late.
Compare
| Low Rate Card | Rewards Card | Secured |
|---|---|---|
| Rates as low as 7.90% | Rates as low as 9.90% | Fixed Rate 14.90% |
| Credit Lines starting at $500 | Credit Lines starting at $500 | $500 - $1,000 Credit Limits |
| No Cash Advance Fee | No Cash Advance Fee | Build or repair credit |
| No Annual Fee | No Annual Fee | No Cash Advance Fee |
| No Balance Transfer Fee | No Annual Fee | |
| 1 point for every $2 purchased | Secured with your own funds to build your credit | |
| Redeem rewards for cash, travel, gift cards and merchandise |
FAQs
Are there special qualifications for a Secured Visa?
You must be a PCFCU member for at least 90 days and must have the ability to deposit sufficient cash to secure the card by 120% of the approved credit limit.
Are there any fees on my Secured Visa?
There is a one-time application fee of $35 but there are no monthly or annual fees. However, if your payments are not made on time, you may be subject to a late fee. Please refer to the Visa Agreement and Disclosure and Rate Schedule for additional details.
What number do I call to activate my card?
To activate your Visa Credit Card please call 855-340-8767.
What number do I call to cancel my card if it’s lost/stolen?
To report a lost or stolen credit card please call 855-340-8767.
When does interest accrue?
Interest will not be charged on purchases if you pay your entire balance by the due date each month. Balance transfers, convenience checks and cash advances will begin to accrue interest on the transaction date.
Is there a grace period from my due date?
You have 10 days after your due date to make your payment before a late fee is applied.
How do I conduct a balance transfer?
You may request a balance transfer in Online Access under Services or by visiting your local branch.
How do I order convenience checks for my credit card?
You can request convenience checks in Online Access under Help Center/Make an Inquiry or by contacting us at 855-340-8767.
Is there anything I should know before traveling with my Secured Visa?
Before you travel, contact us at 520-381-3100 to let us know the dates and location of your trip.