Best Secured Credit Cards — May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has engineered proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial DisclosureRates are actual, verified rates sourced directly from institution websites. Editorial content is independent of advertiser relationships.
Top secured credit cards currently available include: AltaOne Federal Credit UnionAltaOne Federal Credit Union9601 California City Blvd, Tehachapi, CA, 93561 2502A5.0 ★Texas Ratio: 6.90%'s Credit Builder has an APR of 2.00%, Neches Federal Credit UnionNeches Federal Credit Union676 Magnolia Ave, Port Neches, TX, 77713A+5.0 ★Texas Ratio: 1.48%'s Visa Platinum Rewards Secured has an APR of 2.90%, Otero Federal Credit UnionOtero Federal Credit UnionPO BOX 1058, Ruidoso, NM, 88345 6178A+5.0 ★Texas Ratio: 1.15%'s Visa Platinum Credit Card Share Secured without Rewards has an APR of 2.99%, Lafayette Federal Credit UnionLafayette Federal Credit UnionRoom c 1 80, WASHINGTON, VA, 22202 3781A5.0 ★Texas Ratio: 10.75%'s Credit Builder has an APR of 3.00%, and Tennessee Members 1st Federal Credit UnionTennessee Members 1st Federal Credit Union112 Market Place Blvd, Oak Ridge, TN, 37922A5.0 ★Texas Ratio: 6.71%'s Credit Builder has an APR of 3.00%. Rates as of May 10, 2026 per MonitorBankRates.
Secured credit cards require a cash deposit that becomes your credit limit, making them accessible to borrowers with limited or damaged credit history. Used responsibly, a secured card is one of the most effective tools for building or rebuilding credit — especially from a federally insured institution.
We display transparent financial health metrics — A–F Safety Grades, Star Ratings, and Texas Ratios — so you can choose a stable, highly-rated institution.
Rates reflect actual verified offers. Last Updated: May 10, 2026
Compare Secured Credit Cards Nationwide
Source: Verified Credit Card Data by MonitorBankRates
Institution
Product
APR
Profile
AltaOne Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
9601 California City Blvd, Tehachapi, CA, 93561 2502
Credit Builder
2.00%
▼
APR2.00%
UpdatedMay 6, 2026
Details
Maximum Financing: $2,000 maximum
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77713
Visa Platinum Rewards Secured
2.90%
▼
APR2.90%
UpdatedMay 6, 2026
Details
As Low As; Intro rate expires: 6 months; See Credit Card Addendum
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
PO BOX 1058, Ruidoso, NM, 88345 6178
Visa Platinum Credit Card Share Secured without Rewards
2.99%
▼
APR2.99%
UpdatedMay 6, 2026
Details
Intro rate expires: 12 billing cycles; Regular APR: 14.96%
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Room c 1 80, WASHINGTON, VA, 22202 3781
Credit Builder
3.00%
▼
APR3.00%
UpdatedMay 6, 2026
Details
No additional details provided.
Tennessee Members 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
112 Market Place Blvd, Oak Ridge, TN, 37922
Credit Builder
3.00%
▼
APR3.00%
UpdatedMay 6, 2026
Details
No additional details provided.
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
773 Straits Tpke, Middlebury, CT, 06811 4077
Unsecured
3.10%
▼
APR3.10%
UpdatedMay 6, 2026
Details
Share Rate + 3%
El Monte Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
2601 NETWORK BLVD, FRISCO, TX, 91732
Visa Share Secured
3.99%
▼
APR3.99%
UpdatedMay 2, 2026
Details
Intro rate expires: six (6) months; Regular APR: 10.90%
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
900 Route 376, Wappingers Falls, NY, 12603
Secured Card
3.99%
▼
APR3.99%
UpdatedMay 2, 2026
Details
Intro rate expires: 6 months; Regular APR: 13.49% - 18.00%
Upward Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
510 Veterans Blvd Ste B, Redwood City, CA, 94063
Credit Builder
4.24%
▼
APR4.24%
UpdatedApril 19, 2026
Details
$500 - $1,500
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
567 S State St, Johns Creek, MS, 39201
VISA (share-secured)
4.25%
▼
APR4.25%
UpdatedMay 6, 2026
Details
No additional details provided.
Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
75 Kenoza Ave, Merrimac, NY, 14228 1148
Share Secured/Credit Building
4.49%
▼
APR4.49%
UpdatedApril 19, 2026
Details
No additional details provided.
Forrit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.82%
2985 SE 75th Ave, Portland, OR, 97233 5319
Credit Builder
4.50%
▼
APR4.50%
UpdatedApril 19, 2026
Details
No additional details provided.
Dakota Star Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
3122 W SAINT LOUIS ST, RAPID CITY, SD, 57702 2354
Overdraft Protection (Unsecured Line of Credit)
4.50%
▼
APR4.50%
UpdatedMay 6, 2026
Details
No additional details provided.
Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.31%
901 Market St, Wheeling, WV, 26003 2918
Sharesecured
4.50%
▼
APR4.50%
UpdatedMay 7, 2026
Details
No additional details provided.
Arapahoe Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.57%
7201 S Broadway, Littleton, CO, 80122 2076
Credit Builder
4.90%
▼
APR4.90%
UpdatedApril 19, 2026
Details
No additional details provided.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
818 Central Ave, Troy, NY, 12866 5506
Visa® Credit Card Secured
4.99%
▼
APR4.99%
UpdatedMay 6, 2026
Details
As Low As; Intro rate expires: 90 days; Regular APR: Prime Rate plus a margin. The APR will not exceed the ceiling, or highest APR of 18.00%.
Wexford Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
4817 S Morey Rd, Lake City, MI, 49651 9018
Secured VISA
5.00%
▼
APR5.00%
UpdatedApril 19, 2026
Details
No additional details provided.
Wexford Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
4817 S Morey Rd, Lake City, MI, 49651 9018
Share Secured VISA
5.00%
▼
APR5.00%
UpdatedApril 19, 2026
Details
As Low As
Central Willamette Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
905 29th Ave SW, Salem, OR, 97702 2154
Savings Secured/Credit Builder
5.00%
▼
APR5.00%
UpdatedMay 2, 2026
Details
No additional details provided.
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
27 251 Old Mamalahoa Hwy, Papaikou, HI, 96781
Visa Platinum Secured
5.00%
▼
APR5.00%
UpdatedMay 6, 2026
Details
Secured Visa secured by Credit Union shares.
York Educational Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
2991 Cape Horn Rd, York, PA, 17403 4630
Credit Builder/Rebuilder
5.00%
▼
APR5.00%
UpdatedMay 7, 2026
Details
No additional details provided.
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY, 13202
Credit Builder
5.00%
▼
APR5.00%
UpdatedMay 7, 2026
Details
As Low As
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
W7007 Parkview Dr Ste E, Sturgeon Bay, WI, 54956
Credit Builder
5.00%
▼
APR5.00%
UpdatedMay 10, 2026
Details
No additional details provided.
People Driven Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
5397 W Michigan Ave, Ypsilanti, MI, 48197 4900
Visa Rewards Driven Share Secured Credit Card
5.25%
▼
APR5.25%
UpdatedMay 10, 2026
Details
Regular APR: 5.25%
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
71 Pearl St, Williston, VT, 05676
Credit builder
5.50%
▼
APR5.50%
UpdatedMay 5, 2026
Details
No additional details provided.
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
Unsecured
5.60%
▼
APR5.60%
UpdatedMay 2, 2026
Details
No additional details provided.
Marshfield Medical Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
302 W Upham St, Marshfield, WI, 54449 1461
Unsecured
5.74%
▼
APR5.74%
UpdatedMay 10, 2026
Details
Installation-Up to 18 Months
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A+,A
5.75%
▼
APR5.75%
UpdatedMay 6, 2026
Details
No additional details provided.
Pueblo Government Agencies Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
720 N Greenwood St, Pueblo, CO, 81226 1430
Second Chance/Credit Builder Program
5.80%
▼
APR5.80%
UpdatedMay 6, 2026
Details
As Low As; Fixed Interest rates as low as 5.80% APR
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
7730 COTTAGE HILL RD, SARALAND, AL, 36695
Share Secured VISA
5.90%
▼
APR5.90%
UpdatedMay 10, 2026
Details
No additional details provided.
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
3404 Old Forest Rd, Madison Heights, VA, 24572 2447
Visa Secured
5.99%
▼
APR5.99%
UpdatedMay 7, 2026
Details
No additional details provided.
Vibe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.71%
968 N Lapeer Rd, West Bloomfield, MI, 48377 2509
Credit Builder
5.99%
▼
APR5.99%
UpdatedMay 10, 2026
Details
No additional details provided.
Red Canoe Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
810 Burkhart St SE, Woodland, WA, 98674 9359
Credit Builder
6.00%
▼
APR6.00%
UpdatedMay 2, 2026
Details
No additional details provided.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
8601 University City Blvd, Winston Salem, NC, 28303
Credit Builder
6.00%
▼
APR6.00%
UpdatedMay 2, 2026
Details
No additional details provided.
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
8255 Gladys Ave, Orange, TX, 77706 4004
Credit Builder
6.00%
▼
APR6.00%
UpdatedMay 6, 2026
Details
No additional details provided.
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Unsecured Financing A+
6.00%
▼
APR6.00%
UpdatedMay 7, 2026
Details
No additional details provided.
Popa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
28490 Avenue Stanford Ste 120, Valencia, CA, 91773
Share Secured VISA®
6.00%
▼
APR6.00%
UpdatedMay 7, 2026
Details
No additional details provided.
LOC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
6246 Chase Rd, Howell, MI, 48843 8510
Share Secured VISA
6.00%
▼
APR6.00%
UpdatedMay 10, 2026
Details
As Low As
Marshfield Medical Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
302 W Upham St, Marshfield, WI, 54449 1461
Unsecured
6.24%
▼
APR6.24%
UpdatedMay 10, 2026
Details
120 months
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A+,A
6.25%
▼
APR6.25%
UpdatedMay 6, 2026
Details
No additional details provided.
Pueblo Government Agencies Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
720 N Greenwood St, Pueblo, CO, 81226 1430
Second Chance/Credit Builder Program
6.30%
▼
APR6.30%
UpdatedMay 6, 2026
Details
As Low As; Interest you'll pay $32.52
Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
8980 STATE HIGHWAY 35 N, Van Vleck, TX, 77482
Unsecured
6.50%
▼
APR6.50%
UpdatedMay 7, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
8195 Dexter Rd, Moon Township, TX, 90245
Visa Classic Secured Credit Card
6.50%
▼
APR6.50%
UpdatedMay 7, 2026
Details
No additional details provided.
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
901 6th Ave, Huntington, WV, 25701
Signature/Unsecured
6.50%
▼
APR6.50%
UpdatedMay 7, 2026
Details
Up to 12 Months
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Rogersville, VA, 37857
Secured Visa Platinum Credit Card
6.50%
▼
APR6.50%
UpdatedMay 7, 2026
Details
(fixed rate)
Marshfield Medical Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
302 W Upham St, Marshfield, WI, 54449 1461
Unsecured
6.74%
▼
APR6.74%
UpdatedMay 10, 2026
Details
180 months
Utilities Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
337 Clay Ave, Wyomissing, PA, 19610
Share Secured Visa Power CardTM
6.75%
▼
APR6.75%
UpdatedApril 19, 2026
Details
No additional details provided.
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Personal Unsecured 24 Months
6.75%
▼
APR6.75%
UpdatedMay 2, 2026
Details
As Low As
Har-co Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
3422 Emmorton Rd, Bel Air, MD, 21014 3249
Secured Card
6.75%
▼
APR6.75%
UpdatedMay 2, 2026
Details
No additional details provided.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A New
6.75%
▼
APR6.75%
UpdatedMay 6, 2026
Details
No additional details provided.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A+ New
6.75%
▼
APR6.75%
UpdatedMay 6, 2026
Details
No additional details provided.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A+,A
6.75%
▼
APR6.75%
UpdatedMay 6, 2026
Details
No additional details provided.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured B
6.75%
▼
APR6.75%
UpdatedMay 6, 2026
Details
No additional details provided.
District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
2335 S Ellis St, Hornell, NY, 85286 6701
Unsecured
6.75%
▼
APR6.75%
UpdatedMay 6, 2026
Details
No additional details provided.
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN, 37214
Visa Secured Credit Card
6.90%
▼
APR6.90%
UpdatedApril 19, 2026
Details
As Low As
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC, 28208
Unsecured Home Improvement
6.90%
▼
APR6.90%
UpdatedMay 10, 2026
Details
As Low As
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
773 Straits Tpke, Middlebury, CT, 06811 4077
Unsecured
6.95%
▼
APR6.95%
UpdatedMay 6, 2026
Details
Borrow up to $5,000.00 for a term of one year.
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
6277 E Slauson Ave, New York, NY, 90064
Secured VISA®
6.95%
▼
APR6.95%
UpdatedMay 7, 2026
Details
As Low As
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
815 Ridge Rd, Webster, NY, 14580 2410
Personal Unsecured
6.95%
▼
APR6.95%
UpdatedMay 7, 2026
Details
As Low As
Credit Union Of Atlanta Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Visa Secured
6.95%
▼
APR6.95%
UpdatedMay 10, 2026
Details
As Low As; $300 - $25,000
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
SECURED VISA PLATINUM
6.99%
▼
APR6.99%
UpdatedApril 19, 2026
Details
No Annual Fee - 25 day grace period
Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
92 North Ave, Winooski, VT, 05701 4743
Credit Builder
6.99%
▼
APR6.99%
UpdatedApril 19, 2026
Details
No additional details provided.
NORTH TOWNS
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
9625 Main St, Clarence, NY, 14031
Credit Builder
6.99%
▼
APR6.99%
UpdatedMay 2, 2026
Details
fixed rate
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Washington Strasse Bldg 7850, Wiesbaden, VA, 65205
Unsecured, Bill Consolidation, Signature
6.99%
▼
APR6.99%
UpdatedMay 4, 2026
Details
As Low As
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
971 WOOSTER RD W, BARBERTON, OH, 44203
Share Secured Visa® Credit Card
6.99%
▼
APR6.99%
UpdatedMay 6, 2026
Details
No additional details provided.
Northwestern Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
234 N Main St, Bryan, OH, 43506 1318
Unsecured Signature
6.99%
▼
APR6.99%
UpdatedMay 6, 2026
Details
As Low As:
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
975 Central St, Waconia, MN, 56087 1133
Platinum Secured Card
7.00%
▼
APR7.00%
UpdatedMay 2, 2026
Details
No additional details provided.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A
7.00%
▼
APR7.00%
UpdatedMay 6, 2026
Details
No additional details provided.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A New
7.00%
▼
APR7.00%
UpdatedMay 6, 2026
Details
No additional details provided.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A+
7.00%
▼
APR7.00%
UpdatedMay 6, 2026
Details
No additional details provided.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A+ New
7.00%
▼
APR7.00%
UpdatedMay 6, 2026
Details
No additional details provided.
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
69 N Market St, Wailuku, HI, 96793 1719
Visa® Platinum, Platinum Cash Rewards and Secured
7.00%
▼
APR7.00%
UpdatedMay 6, 2026
Details
No additional details provided.
Webster First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
65 North St, Worcester, MA, 02152 2921
Credit Builder 60 Month
7.00%
▼
APR7.00%
UpdatedMay 7, 2026
Details
No additional details provided.
Arcade Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
151 Patton Ave Ste 280, Asheville, NC, 28801
Unsecured (signature)
7.00%
▼
APR7.00%
UpdatedMay 10, 2026
Details
Up to 60 months
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
7 Frankford Ave Bldg 141, Pell City, AL, 36265
Share Secured Visa Platinum Card
7.20%
▼
APR7.20%
UpdatedMay 2, 2026
Details
As Low As; Regular APR: as low as 7.20%
Connex Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
PO Box 477, Orange, CT, 06514 2406
E-Bike Personal UNSECURED 24 months
7.24%
▼
APR7.24%
UpdatedApril 22, 2026
Details
Rates as low as
Connex Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
PO Box 477, Orange, CT, 06514 2406
E-Bike Personal UNSECURED 36 months
7.24%
▼
APR7.24%
UpdatedApril 22, 2026
Details
Rates as low as
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A
7.25%
▼
APR7.25%
UpdatedMay 6, 2026
Details
No additional details provided.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A Used
7.25%
▼
APR7.25%
UpdatedMay 6, 2026
Details
No additional details provided.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A+
7.25%
▼
APR7.25%
UpdatedMay 6, 2026
Details
No additional details provided.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A+ Used
7.25%
▼
APR7.25%
UpdatedMay 6, 2026
Details
No additional details provided.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured B
7.25%
▼
APR7.25%
UpdatedMay 6, 2026
Details
No additional details provided.
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
901 6th Ave, Huntington, WV, 25701
Signature/Unsecured
7.25%
▼
APR7.25%
UpdatedMay 7, 2026
Details
Up to 24 Months
GSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
1800 F St NW # 1211, Washington, DC, 20405 0001
Unsecured (Signature)
7.49%
▼
APR7.49%
UpdatedMay 6, 2026
Details
No additional details provided.
Freedom Of Maryland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.35%
8213 Hoadley Rd, Pikesville, MD, 21208 6329
Visa Platinum Share Secured3
7.49%
▼
APR7.49%
UpdatedMay 6, 2026
Details
As Low As
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
6305 SW Archer Rd, Old Town, FL, 34470 4868
Credit Builder Secured
7.50%
▼
APR7.50%
UpdatedMay 2, 2026
Details
No additional details provided.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A
7.50%
▼
APR7.50%
UpdatedMay 6, 2026
Details
No additional details provided.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured A+
7.50%
▼
APR7.50%
UpdatedMay 6, 2026
Details
No additional details provided.
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
4 Quigley Blvd, Wilmington, DE, 19808
Unsecured Fixed Rate/ Closed End
7.50%
▼
APR7.50%
UpdatedMay 7, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
9178 Parkway E, West Point, TN, 72301 2614
Unsecured / Signature
7.50%
▼
APR7.50%
UpdatedMay 10, 2026
Details
No additional details provided.
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Personal Unsecured 48 Months
7.75%
▼
APR7.75%
UpdatedMay 2, 2026
Details
As Low As
Government Printing Office Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
732 N Capitol ST NW, Washington, DC, 20401 0002
Unsecured Line of Credit (Variable Rate)
7.75%
▼
APR7.75%
UpdatedMay 6, 2026
Details
No additional details provided.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured B
7.75%
▼
APR7.75%
UpdatedMay 6, 2026
Details
No additional details provided.
Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
1070 E State St Ste C, Salem, OH, 44460 2200
Signature (Unsecured/Personal)
7.75%
▼
APR7.75%
UpdatedMay 6, 2026
Details
As Low As
Kaleida Health Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
1540 Maple Rd, Williamsville, NY, 14221 3647
Unsecured k
7.75%
▼
APR7.75%
UpdatedMay 7, 2026
Details
$15
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 23.31%
901 6th Ave, Huntington, WV, 25701
Signature/Unsecured
7.75%
▼
APR7.75%
UpdatedMay 7, 2026
Details
Up to 36 Months
Members First Credit Union Midland, MI
Institution Rating:
A5.0 ★Texas Ratio: 8.84%
650 W 5th St, Saginaw, MI, 49631 8312
Visa® Share Secured
7.75%
▼
APR7.75%
UpdatedMay 10, 2026
Details
No additional details provided.
POCU of Maryland
Institution Rating:
A+5.0 ★
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
Unsecured (Special)
7.85%
▼
APR7.85%
UpdatedMay 2, 2026
Details
No additional details provided.
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
516 28 Rd, Grand Junction, CO, 81521
Visa Secured Credit Card
7.90%
▼
APR7.90%
UpdatedMay 2, 2026
Details
No additional details provided.
UFCW COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
570 Market St, Wyoming, PA, 18706 6026
Visa Platinum or Secured
7.90%
▼
APR7.90%
UpdatedMay 2, 2026
Details
As Low As
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
7901 E Speedway Blvd, Tucson, AZ, 85719 1534
Secured Credit Card
7.90%
▼
APR7.90%
UpdatedMay 6, 2026
Details
variable rate
Northern Redwood Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
903 4th St, Eureka, CA, 95521 4415
Shared Secured Visa
7.90%
▼
APR7.90%
UpdatedMay 6, 2026
Details
As Low As; Annual Percentage Rate
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
9978 FM 3129, Texarkana, TX, 75572
Visa Secured Credit Cards
7.90%
▼
APR7.90%
UpdatedMay 7, 2026
Details
No additional details provided.
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
14963 River Rd, La Place, LA, 70068 6413
Secured VISA®
7.90%
▼
APR7.90%
UpdatedMay 7, 2026
Details
No additional details provided.
Lehigh County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 Hamilton St, Allentown, PA, 18101
Personal Unsecured
7.95%
▼
APR7.95%
UpdatedMay 7, 2026
Details
Min. $1,000.00 / Max. $10,000.00
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
815 Ridge Rd, Webster, NY, 14580 2410
Personal Unsecured
7.95%
▼
APR7.95%
UpdatedMay 7, 2026
Details
As Low As
Armco Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
4712 Clairton Blvd, Pittsburgh, PA, 16046
VISA (Secured)
7.99%
▼
APR7.99%
UpdatedApril 19, 2026
Details
No additional details provided.
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
9701 Marion Park Dr, Overland Park, MO, 66213 1303
Mastercard Secured
7.99%
▼
APR7.99%
UpdatedMay 2, 2026
Details
7.99%
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2501 S State Highway 121 BUS, Richmond, TX, 94801 3123
Personal/Unsecured
7.99%
▼
APR7.99%
UpdatedMay 6, 2026
Details
(Fixed)
Metro Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.95%
4753 WV 152, Lavalette, WV, 25703
Unsecured
7.99%
▼
APR7.99%
UpdatedMay 6, 2026
Details
As Low As
Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
SUNY Oswego, Sandy, UT, 84070 6422
Unsecured
7.99%
▼
APR7.99%
UpdatedMay 7, 2026
Details
As Low As
Quest Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
900 E Sandusky Ave, Upper Sandusky, OH, 45810
SHARE SECURED CREDIT CARD
7.99%
▼
APR7.99%
UpdatedMay 7, 2026
Details
As Low As; RATES AS LOW AS 7.99%
IBEW Local #146 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3390 N Woodford St, Decatur, IL, 62526
Unsecured
8.00%
▼
APR8.00%
UpdatedApril 19, 2026
Details
No additional details provided.
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
96 Village Sq, York, VA, 23606
Unsecured Optionline Tier 1
8.00%
▼
APR8.00%
UpdatedMay 4, 2026
Details
No additional details provided.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured B
8.00%
▼
APR8.00%
UpdatedMay 6, 2026
Details
No additional details provided.
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured B New
8.00%
▼
APR8.00%
UpdatedMay 6, 2026
Details
No additional details provided.
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
27 251 Old Mamalahoa Hwy, Papaikou, HI, 96781
Visa Platinum Unsecured
8.00%
▼
APR8.00%
UpdatedMay 6, 2026
Details
Maximum Credit Limit is $10,000. Lower Limits may be applicable. $25.00 Annual Fee.
Savannah Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
4673 US Highway 80 E, SAVANNAH, GA, 31410 2941
UNSECURED
8.00%
▼
APR8.00%
UpdatedMay 6, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Unsecured Financing A
8.00%
▼
APR8.00%
UpdatedMay 7, 2026
Details
No additional details provided.
Connex Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
PO Box 477, Orange, CT, 06514 2406
E-Bike Personal UNSECURED 48-60 months
8.24%
▼
APR8.24%
UpdatedApril 22, 2026
Details
Rates as low as
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
7895 Brewerton Rd, Syracuse, NY, 13219
Home Improvement Unsecured
8.24%
▼
APR8.24%
UpdatedMay 4, 2026
Details
up to 48 months
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
773 Straits Tpke, Middlebury, CT, 06811 4077
Unsecured
8.24%
▼
APR8.24%
UpdatedMay 6, 2026
Details
As Low As
Dupage County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
421 N County Farm Rd, Wheaton, IL, 60187 3978
Unsecured
8.24%
▼
APR8.24%
UpdatedMay 10, 2026
Details
As Low As
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
6640 Via Del Oro, Sunnyvale, CA, 95119
Go Green Unsecured
8.25%
▼
APR8.25%
UpdatedMay 2, 2026
Details
As Low As; $5,000 Minimum; $50,000 Maximum
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured B New
8.25%
▼
APR8.25%
UpdatedMay 6, 2026
Details
No additional details provided.
Merced School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
2121 E Childs Ave, Merced, CA, 95348 1218
Share Secured VISA
8.25%
▼
APR8.25%
UpdatedMay 6, 2026
Details
Limit based on amount pledged in member's regular share account (0001), not to exceed $20,000
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
809 Division St, Vienna, WV, 26105
Unsecured Single Pay Note 90 day note
8.30%
▼
APR8.30%
UpdatedMay 10, 2026
Details
As Low As
Great Falls Regional Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
760 Minot Ave, Monmouth, ME, 04259
Credit Builder
8.35%
▼
APR8.35%
UpdatedMay 6, 2026
Details
No additional details provided.
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
7895 Brewerton Rd, Syracuse, NY, 13219
Home Improvement Unsecured
8.39%
▼
APR8.39%
UpdatedMay 4, 2026
Details
49 to 60 months
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.08%
816 Washington Ave, Golden, CO, 80403
Unsecured
8.45%
▼
APR8.45%
UpdatedApril 19, 2026
Details
As Low As
BREWSTER
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
105 Wabash Ave S, Brewster, OH, 44613 1241
Credit Builder
8.45%
▼
APR8.45%
UpdatedMay 2, 2026
Details
As Low As
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
773 Straits Tpke, Middlebury, CT, 06811 4077
Unsecured
8.49%
▼
APR8.49%
UpdatedMay 6, 2026
Details
As Low As
Waterbury Connecticut Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
773 Straits Tpke, Middlebury, CT, 06811 4077
Unsecured Personal Line of Credit
8.49%
▼
APR8.49%
UpdatedMay 6, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1705 21st Ave, Scottsbluff, NE, 69361
Unsecured
8.49%
▼
APR8.49%
UpdatedMay 6, 2026
Details
Credit Score Ranking A & B
Alpena Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
710 W Miller St, Alpena, MI, 49707 1875
Unsecured
8.50%
▼
APR8.50%
UpdatedMay 2, 2026
Details
APR as low as
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Salon de Actividades Bianca Carretera #2 Km 1430, Virginia Beach, WI, 92705 5849
Unsecured Home Improvement Line of Credit
8.50%
▼
APR8.50%
UpdatedMay 2, 2026
Details
As Low As
Blackhawk Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
214 Main St, Savanna, IL, 61074 1628
Credit Builder
8.50%
▼
APR8.50%
UpdatedMay 2, 2026
Details
No additional details provided.
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
971 WOOSTER RD W, BARBERTON, OH, 44203
Unsecured Visa
8.50%
▼
APR8.50%
UpdatedMay 6, 2026
Details
As Low As
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
971 WOOSTER RD W, BARBERTON, OH, 44203
Unsecured Visa® Credit Card
8.50%
▼
APR8.50%
UpdatedMay 6, 2026
Details
As Low As
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
14266 Taylor Hollow Rd, Gowanda, NY, 14070 9703
Unsecured B Used
8.50%
▼
APR8.50%
UpdatedMay 6, 2026
Details
No additional details provided.
Community Powered Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
4 Quigley Blvd, Wilmington, DE, 19808
Unsecured Line of Credit/ Overdraft Protection
8.50%
▼
APR8.50%
UpdatedMay 7, 2026
Details
As Low As
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
280 Commonwealth Dr, Greenville, SC, 29615 4813
Share Secured VISA® Credit Card
8.50%
▼
APR8.50%
UpdatedMay 7, 2026
Details
Shared Secured VISA® requires a 115% pledge of the loan amount.
First Street Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
709 W 1ST ST, DERIDDER, LA, 70634
Unsecured / Signature
8.50%
▼
APR8.50%
UpdatedMay 7, 2026
Details
As Low As
Journey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
130 W Superior St, Saint Johns, MI, 48879 1150
Platinum Mastercard Secured
8.50%
▼
APR8.50%
UpdatedMay 7, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
Nature 2 Bldg LL B250, Spring, TX, 77449
Unsecured Line of Credit
8.50%
▼
APR8.50%
UpdatedMay 10, 2026
Details
No additional details provided.
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
7895 Brewerton Rd, Syracuse, NY, 13219
Home Improvement Unsecured
8.74%
▼
APR8.74%
UpdatedMay 4, 2026
Details
61 to 72 months
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
631 Bloomingrove Dr, Rensselaer, NY, 12144
Unsecured Home Improvement
8.74%
▼
APR8.74%
UpdatedMay 6, 2026
Details
n/a
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
8507 S Sam Houston Pkwy E, Sugar Land, TX, 77479 4097
Visa® Advantage Secured
8.74%
▼
APR8.74%
UpdatedMay 7, 2026
Details
As Low As
Marshfield Medical Center Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
302 W Upham St, Marshfield, WI, 54449 1461
Unsecured
8.74%
▼
APR8.74%
UpdatedMay 10, 2026
Details
No additional details provided.
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
9986 W Happy Valley Pkwy Ste 101, Surprise, AZ, 86326 5479
Business Line of Credit - Unsecured
8.75%
▼
APR8.75%
UpdatedMay 2, 2026
Details
Variable1
Powered byMonitorBankRates
Secured Credit Card APR Trend
Daily national average APR compiled from 220 banks & credit unions — updated daily.
Secured CC — National Avg APR
14.87%
▲ +0.059 vs 7 days ago
APRs rose 0.059 pts to 14.87%, up from 14.81% last week.
Averages from 233 APR quotes across 220 institutions • As of May 12, 2026
Powered by
MonitorBankRates
What Is a Secured Credit Card?
A secured credit card requires a refundable cash deposit that typically equals your credit limit. Because the deposit collateralizes the account, issuers can approve applicants with limited or damaged credit histories. Used responsibly, a secured card builds the credit history needed to qualify for unsecured products.
Credit unions are among the best issuers of secured credit cards. They tend to charge lower APRs, require smaller minimum deposits, and offer a clearer path to transitioning to an unsecured card as your credit improves. Membership requirements vary by credit union.
When comparing secured cards, look at the APR, the minimum and maximum deposit, annual fees, and whether the issuer reports to all three major credit bureaus. MonitorBankRates displays Safety Grades and financial health data so you can evaluate the institution alongside the card terms.
Methodology & Data Sources
Direct-Sourced & Verified Rate Data: We aggregate secured credit card APRs nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from institutions’ own digital properties and manually verifying rates daily, every APR on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems monitor 8,500+ banks and credit unions across all 50 states. Secured card availability and deposit requirements vary by institution — using the state filter is recommended to find options serving your area.
Daily Updates & Time-Stamped Accuracy: Our rate team verifies and updates secured card APRs daily. Every product listed features its own specific “last updated” date. Security deposit requirements and credit limits, where disclosed, appear in the product details panel.
Proprietary Institution Health & Safety Grades: MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective FDIC and NCUA regulatory data — including the Texas Ratio — ensuring you choose financially secure institutions.
Disclaimer: APRs shown are the ongoing purchase APR as disclosed by each institution. Secured cards require a refundable security deposit; terms and deposit requirements vary by issuer. Your actual approved rate depends on your creditworthiness. MonitorBankRates is not a credit card issuer and does not originate credit decisions. Last Updated: May 10, 2026
Frequently Asked Questions about Secured Credit Cards
What is a secured credit card?
A secured credit card requires a refundable security deposit — typically $200–$500 — that serves as your credit limit. The card functions like a regular credit card, and responsible use is reported to credit bureaus, helping build your credit history.
How do secured cards build credit?
The issuer reports your payment history and utilization to the major credit bureaus each month. Paying on time and keeping your balance below 30% of your credit limit are the two most impactful habits. Most people see meaningful score improvement within 6–12 months.
When can I upgrade to an unsecured card?
Most issuers review secured accounts after 12–18 months. If your payment history is strong, they may offer to graduate your account to an unsecured card and refund your deposit. Credit unions are particularly likely to work with members toward this goal.
Are secured cards from credit unions better?
Credit union secured cards typically have lower APRs and fewer fees than bank equivalents. Since you may carry a balance during the credit-building phase, a lower APR directly reduces your cost. The deposit terms and upgrade paths also tend to be more member-friendly.
Will a secured card hurt my credit score?
Applying causes a small temporary dip from the hard inquiry. However, consistent on-time payments and low utilization will improve your score over time. The net long-term effect is positive when used responsibly.
Top Secured Credit Cards Today
- AltaOne Federal Credit Union: 2.00% APR (Credit Builder)
- Neches Federal Credit Union: 2.90% APR (Visa Platinum Rewards Secured)
- Otero Federal Credit Union: 2.99% APR (Visa Platinum Credit Card Share Secured without Rewards)
- Lafayette Federal Credit Union: 3.00% APR (Credit Builder)
- Tennessee Members 1st Federal Credit Union: 3.00% APR (Credit Builder)
Rates reflect actual verified offers. Last Updated: May 10, 2026
More Credit Card Options
Rate Assistant
MonitorBankRates.com · Live Data
Try asking