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Visa® Secured Credit Card

Build your credit securely with a card that’s got your back

Spend without stress with the Visa® Secured credit card from San Mateo Credit Union. You’ll build your credit safely knowing your savings will cover the balance if needed. It's the perfect card for daily living or in case of emergency, giving you access to funds you need, anytime. Just keep 110% of your credit limit in your account and you can use the Visa® Secured Credit Card when and where you choose.

With no annual fee, the Visa® Secured Credit Card from SMCU is a smart solution for safer spending:

  • Credit limits from $100 to $25,000
  • Rates from 10.99% to 18.00% APR*
  • Overdraft protection when you connect your credit card to your SMCU checking account

Whether you’re just starting out or rebuilding your credit, the Visa® Secured Credit Card from SMCU is a responsible investment in your financial future.

*APR = Annual Percentage Rate. Rate effective August 23, 2019. All loans and credit cards are offered on approved credit. Cards carry a variable rate that can change monthly. Introductory offers carry conditions and can change without notice. If applicable, the promotional APR or introductory CURewards point offer will be applied to all purchase transactions posted within the first 90 days of the new line of credit. 1Promotional APR applies only on balance transfers occurring on a new line of credit and must occur during the introductory bonus promotional period of January 6, 2020 through May 30, 2020. Cash advances are excluded from this offer. A balance transfer/cash advance fee of 3.0% of the transfer amount with a minimum of $4 and a maximum of $300 will be assessed at the time of each balance transfer. A promotional balance transfer APR is good for 365 days from the date of the last balance transfer made during the promotional period. Thereafter, the rate for balance transfers will revert to the APR as disclosed in your Card Agreement. All loans and credit cards, including offers to perform a balance transfer, are subject to qualification. Must be a member in good standing. Please ask an SMCU representative for complete card and offer details or refer to your Card Agreement for complete card terms and conditions.
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