Visa STEEL Secured Credit Card

Take control and build credit responsibly with our secured STEEL VISA card.

Build Your Credit With Confidence!

A secured credit card is a great way to build or rebuild credit. You set your credit limit by putting down a cash deposit that way you’re in control of your spending. Our Visa STEEL Secured Credit Card options can help you reach your goals and give you added union benefits.

0% APR* for First 6 Months
Set Your Credit Limit
Limits Ranging From $500 to $20,000
No Annual Fees
No Cash Advance or Balance Transfer Fees

Benefits/Features

Build Credit

A reliable way to establish or rebuild your credit history.

No Annual Fee

Enjoy the perks with a yearly fee.

Set Your Limit

Your refundable deposit becomes your spending limit.

Card Options

Choose between the standard Visa STEEL or Visa STEEL Rewards cards.

Fraud Protection

Visa's Zero Liability policy keeps you covered.

Worldwide Use

Use your card anywhere Visa is accepted - including online & abroad.

Digital Wallet

Make quick, secure payments with Apply Pay, Google Pay and Samsung Pay.

Easy Payments

Paying your bill is easy with Online Banking or EasyPay.

Visa Steel Secured Credit Card Rates

Up to $20,000

As low as 10.24%

$0 Annual Fees

View All Rates Apply for a Loan Make a Payment

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Visa Credit Cards

Loan Type	Annual Fee	Maximum Amount	Lowest Annual Percentage Rate	Annual Percentage Rate - Variable
VISA® STEEL	None	$20,000	13.230%	0% Intro for first 6 months, 13.23% to 17.98% thereafter*
VISA® STEEL Rewards	None	$20,000	16.230%	16.23% to 17.98%
VISA® STEEL Secured	None	$20,000	10.240%	0% Intro for first 6 months, 10.24% thereafter*
VISA® STEEL Secured Rewards	None	$20,000		13.23%
0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions. Information accurate as of April 1, 2025.* Visa Terms and Conditions VISA Credit Card Agreement

Visa STEEL Secured Credit Card Questions

What should I do if my card is lost or stolen?

What if I need to call while out of the country?

Do I have to tell you when I’m traveling?

What other benefits do I get as a Credit Union member?

What is a Visa STEEL Secured Credit Card?

What will my limit be?

Can I add to my deposit after opening my Visa STEEL Secured Rewards?

After having a Visa STEEL Secured Rewards, when can I apply for a Visa STEEL Rewards?

When do I get my collateral deposit back from the Visa STEEL Secured Rewards?

What is strike relief?

What's a union rebate?

*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions.

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