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    Secured Visa®

    Rebuild or jumpstart your credit with the best secured credit card.

    Everything You Need to Jumpstart Your Credit
    0% APR for 6 Months

    0% intro APR for the first 6 months on all purchases1

    Low APR of 17.90% after intro period

    No Annual Fee

    No annual fee

    No Over-Limit Fee

    No over-limit fee

    No penalty rate

    Unlimited 1.5% Rewards On All Spending

    Unlimited rewards up to 1.5% on all purchases2

    Tools & Resources

    How long will it take to pay off my credit card?

    Do the Math

    Frequently Asked Questions about Secured Visa
    Yes, we offer a Secured Visa® credit card that allows you to improve your credit history responsibly.  
    When on the Accounts Summary page in cuAnywhere® Online Banking, click on the credit card you’d like to check under the Credit Cards section.
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Maintenance
    3. For cuAnywhere, click PIN Management
    4. Select the card in which you’d like to change your PIN and click Continue
    5. Enter your new PIN and click Save
    6. For the Advancial Mobile App, click PIN Set and follow the same steps mentioned above

    You can also contact our Member Service Center at 800.322.2709, or 1+ 214.880.0141 for international calling, and say “change my credit card PIN”. Please have your card available.
     
    If you’ve lost your card or believe it has been stolen, lock your card in cuAnywhere® Online Banking or the Advancial Mobile App immediately. You can also contact our Member Service Center at 800.322.2709 and speak with a Member Service Representative who will be able to lock your card and order you a new one.

    To lock your card in cuAnywhere or the Advancial Mobile App, follow these steps:
    1. Log in to cuAnywhere Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Controls
    3. Select or add the card in which you’d like to lock
    4. For cuAnywhere, click Lock or Unlock the card
    5. For the Advancial Mobile App, click the icon so that it shows Locked
    6. If you find your card, simply use the same steps to unlock it and begin using it again
    If you know your card has been stolen, follow these steps:
    1. Log in to cuAnywhere Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Maintenance
    3. For cuAnywhere, click Block Lost/Stolen Card
    4. For the Advancial Mobile App, click Card Blocking
    5. Select the card in which you’d like to block and click Block or Submit
    If you are a current member and already have a Visa Rewards Plus credit card, you can transfer your balance through cuAnywhere® Online Banking or the Advancial Mobile App.
     
    1. Log in to cuAnywhere Online Banking or the Advancial Mobile App
    2. Select the credit card in which you’d like to transfer your balance
    3. Select Account Actions
    4. Click on the Balance Transfer icon
    You can initiate a balance transfer through cuAnywhere Online Banking by going to Card Management > Balance Transfer.

    You can also fill out a balance transfer form at your local branch or by calling our Member Service Center at 800.322.2709.
     

    Knowledge Center

    Credit Scores 101
    Three simple digits. That’s all it takes to capture the quality of your credit history. It seems simple, but credit scores are an important tool that lenders use for virtually all loan and credit applications. Those three digits help lenders determine if they can trust you to repay a loan fully and on time.
    January 18, 2023

    The Four P’s of Common Scam Signals
    Hackers often try to take advantage of unsuspecting people by posing as their financial institution, referred to as spoofing. They often use common communication methods, such as phone calls, email or text messages.
    November 10, 2023

    Ways to Build Credit
    Perhaps you had good credit in the past, but now you’re experiencing a much lower credit score due to life choices or circumstances. Or, you may be building your credit for the first time. Whatever the situation, you can rely on Advancial to provide you with products that can help re-establish your payment history.
    January 30, 2023

    Fraud: Spoofing Explained
    Hackers often try to take advantage of unsuspecting people by posing as their financial institution, referred to as spoofing. They often use common communication methods, such as phone calls, email or text messages.
    July 19, 2023
    1 After the first 6-month introductory period, your APR will be 9.90%. APR=Annual Percentage Rate. 0% Credit Card Balance Transfer Terms and Conditions: The one-time introductory balance transfer offer is available for a single balance transfer request and expires ninety (90) days after the Account opening date. Multiple balances from other non-Advancial Federal Credit Union accounts may be combined into one 5.9% balance transfer request, provided the transfers are requested at the same time. Any portion of a 5.9% balance transfer not paid in full within six (6) months of the transfer date will thereafter be subject to the Standard Rate.
    2 Earn unlimited 1% rewards on all purchases up to $2,500 and unlimited 1.5% rewards on all purchases when you spend $2,500+ in one statement cycle.
    View Cardholder Agreement (PDF)
    View Rates and Fees (PDF)
    View Advancial Rewards Terms and Conditions (PDF)
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