Visa® Credit Card
When used responsibly, a credit card can be a great way to build positive credit history and a lending relationship with your financial provider. SECU’s Visa credit card can be used to make purchases and receive cash advances for a great low rate and no annual fee.
Apply for a new SECU Visa credit card through Member Access
- 7.75% variable APR2 for
- No annual fee
- Can be used as an overdraft protecting account with our Overdraft Transfer Service4
- Grace period for purchases if the balance is paid in full each month
- No balance transfer fees3
- Identity theft protection through NortonLifeLock
- Must be at least 18 years old to apply
- Must have verifiable, independent source of income to support the request5
If you don’t have sufficient income to secure a Visa credit card on your own, you can apply with a co-applicant.6
Customize Your PIN
To select your own PIN, call (888) 886-0083 and follow the prompts to customize or reset your PIN.
Credit Line Increases
You can request a credit line increase through Member Access, at your local branch or by calling our 24/7 Member Services. Credit line increases are permitted regardless of the state in which you currently reside.
We may automatically increase your credit limit from time to time based on your repayment history and other factors. We will notify you of any automated increase. You can decline any automated increase by simply letting us know.
1Members must be 18 years of age or older to be eligible for lending services. New lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia.
2APR = Annual Percentage Rate. APR is the cost over the loan term expressed as a rate. The APR equals a margin of 7.50% plus the Index Rate. The Index Rate is the 26-week Treasury Bill Auction held each quarter and adjusted up to the nearest 0.25%. The Index Rate and APR are subject to change each quarter. There is no minimum interest rate. The maximum rate is 18.00% APR.
3Interest begins to accrue immediately at time of cash advance, balance transfer, and overdraft transfer.
4Overdraft transfers made from a Credit Card are considered loan advances. Overdraft transfers can be made up to the unused line of credit plus 10% of the credit limit.
5Applicants under the age of 21 must have verified and independent means of repayment to support the credit line amount extended unless applying with a co-applicant who is 21 years old or older. If both applicants are under the age of 21, each must have verified and independent means of repayment to support the minimum payments.
6If applicants under the age of 21 apply with a co-applicant who is 21 years old or older, the co-applicant must have sufficient income to support the minimum payments.