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Build credit with confidence and support.

Whether you’re building credit for the first time or working to rebuild it, the Visa Platinum Secured Credit Card gives you the flexibility and security to move forward. With a refundable security deposit, a low annual fee, and competitive rates, this card is designed to help you take the next step.

How Secured Credit Cards work.

A Secured Credit Card is backed by a cash deposit that serves as collateral. Your deposit amount becomes your credit limit — for example, a $500 deposit equals a $500 credit limit. Unlike prepaid cards, a Secured Credit Card helps you build credit by reporting your payment history to major credit bureaus. See rates and terms below.

We’ll help you get back to where you need to be by offering a card with a low annual fee and favorable rates.

  • No annual fee
  • Rates as low as 13.95% APR*
  • Funds secured by credit union deposit
Apply now.

Why apply?

Not all Secured Credit Cards are created equal. At Good Neighbors, we keep it simple: lower fees, lower rates, and real benefits that support your financial growth.

  • Easier Approval: Designed for those with limited or a difficult credit history.
  • Credit-Building Potential: When used correctly, this credit card can be a powerful credit-building tool. With on-time payments and responsible use, you’ll be on your way to stronger credit and more financial opportunities.
  • Refundable Security Deposit: Deposits range from $500 to $10,000 and are held in a savings account.

Start building credit today.

A Secured Credit Card is one of the most effective ways to build or repair credit. Your credit score is shaped by your habits. By making on-time payments in full and keeping your balance low, you can show lenders you’re a responsible borrower. We report to all three major credit bureaus, helping you build or rebuild your credit over time.

Use your card wisely using the following guidance:

  • Keep balances low to maintain a healthy credit utilization ratio.
  • Always make payments on time—your history is reported to credit bureaus.

Ready to take the next step?

Apply for a Visa Secured Credit Card today or connect with one of our advisors to begin building a stronger financial future.

Apply today.

The bottom line.

A Secured Credit Card is a great option if you want to build credit while having access to a revolving credit line. If you’re looking for a structured way to build credit, you may want to explore our Credit Builder Loans.

Join the neighborhood.

You’re invited! Become a member of Good Neighbors Credit Union today. As a member community, we support each other every step of the way.

Get Started.