Secured Visa
Climb higher on your credit journey with a card that builds financial confidence step by step.
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Strengthen your credit with low rates, no annual fee, and everyday Visa convenience.
Build or restore your credit with confidence using F&A’s Secured Visa. Backed by your own savings,{{cc_secured_disclosure}} this widely accepted credit card provides a practical path to financial strength while offering the purchasing power you need for everyday life. Start your climb higher here.
At a glance
- Low fixed rates
- No annual fees
- No balance transfer fees
- Free overdraft protection{{overdraft_protection}} on your F&A accounts
Apply now via Digital Banking, by calling our Member Contact Center, or in person at one of our branch locations.
Account details
- No cash advance fees
- No over-limit fees
- Free fraud protection with $0 deductible
Secured Visa
Build credit with a manageable balance limit backed by your F&A Ownership/Savings Account.{{cc_secured_disclosure}}
APR{{cc_apr}} for purchases
9.90%
APR for balance transfers
9.90%
APR for cash advances
9.90%
Annual fee
$0.00
Credit line
$500.00 to $10,000.00
Due date{{cc_due_date}}
At least 21+ days after billing cycle close
Late payment fee
Up to $20
Over the credit limit fee
$0.00
Foreign transaction fee
1% of each transaction in U.S. dollars
Balance transfer fee
$0.00
Cash advance fee
$0.00
Rewards program
No
Calculate Your New Payment
Calculate Your New Payment
FAQs
How high is the credit limit for an F&A Secured Visa Credit Card?
The credit limit for the F&A Secured Visa Credit Card depends on your savings to secure the funds. Lines range from $500 to $10,000.
How do I increase my credit limit on my Secured Visa?
To increase your credit limit on your Secured Visa Credit Card, deposit more funds into the F&A Savings Account funding the card, then apply online or call our Member Contact Center at (800) 222-1226.
What should I do if my credit card is lost or stolen?
Report it to F&A immediately to prevent unauthorized charges. Members can do one of the following:
- Call us directly at (800) 222-1226 during normal business hours
- Log in to Digital Banking and navigate to Card ServicesÂ
- Call (888) 297-3416 for 24-hour card service
Can I make contactless payments with my F&A Visa credit card?
Yes, all newly issued F&A Visa credit cards are enabled for Tap2Pay contactless payments. Learn more about Tap2Pay.
Explore More
Secured Loans
Build your credit using up to 90% of your Ownership/Savings Account balance, all for a low rate.
Term
APR{{all_personal_apr}}
Up to 72 months
Share Rate + 2.25%
73 to 96 months
Share Rate + 3.25%
97 to 120 months
Share Rate + 4.25%
Home Equity Line of Credit
Use the equity in your home as a line of credit to make improvements, pay off high-interest debt, or finance higher education{{heloc}}
Certificate Secured Loans
Borrow up to 90% of the principal against your F&A-held certificate.
Maximum loan
90% of CD Balance
Collateral requirement
Certificate
APR{{all_personal_apr}}
Certificate Rate + 2.00%
Due
At Certificate maturity