SECURED CREDIT CARDS FOR BUILDING CREDIT

Build or Repair Your Credit with a Credit Card Designed for You!

Fort Sill Federal Credit Union (FSFCU) wants to help you on your financial journey of starting or re-building your credit.
One way to do that is with our Visa® Secured Credit Card.

 

What Is a Secured Credit Card?

A Secured Credit Card from FSFCU is a powerful financial tool that helps you build credit while using the funds in your savings account as security.
FSFCU will be here to assist you on your path to good credit and financial success by offering sound advice, beneficial services, and personalized support.

 

Who Can Benefit From a Credit-Building Credit Card?

  • First-Time Credit Users: If you're new to credit or have limited credit history, a Secured Credit Card is an excellent starting point to establish a positive credit profile.

  • Credit Rebuilders: For those looking to repair or rebuild their credit after past challenges, a credit card that builds credit can provide a structured path toward a stronger financial future.

  • Everyone: Want to have the peace of mind knowing that your credit limit is backed up? Our Secured Credit Card might be right for you!

Why Choose Our Secured Credit Card?

Still not convinced that our credit-building credit card is right for you? FSFCU understands that taking the first step into the world of finances or repairing past credit mistakes can be overwhelming. That is why we recommend our Secured Credit Card as a good jumping-off point and here are some reasons why:

  1. Build Credit Responsibly: Whether you're new to credit or looking to rebuild, our Secured Credit Card is a safe way to establish a credit history.

  2. Security and Peace of Mind: Your savings act as collateral, providing security for both you and FSFCU.

  3. Low Risk, High Reward: Enjoy the benefits of a traditional credit card while minimizing risk. You control your credit limit and can increase it as your savings grow.

  4. Credit Score Improvement: With consistent and responsible use of a Secured Credit Card, you'll see a positive impact on your credit score over time.

  5. FSFCU Is Your Trusted Partner: We want to be there with you every step of the way. Our knowledgeable and friendly associates are here to help you.

 
 

How Does a Secured Credit Card Work to Build or Repair Your Credit?

A Secured Credit Card works differently from a traditional credit card. It's backed by a deposit you make into your savings account, which serves as collateral for your credit limit. Essentially, you're using your savings to secure your credit card, providing a safe and effective way to establish or improve your credit score.

 

Step 1: Apply Online or In Person

As with any credit card or loan, you must first apply. FSFCU offers an easy-to-navigate online application. However, if you prefer to apply in person, our knowledgeable associates would be happy to assist you at any of our branch locations.

 

Step 2: Deposit Money into Your Savings Account

Once you have been approved for a Secured Credit Card, you will need to deposit money into your FSFCU Savings account. You designate the amount to act as your credit limit. We put those funds on hold, ensuring there is money available to pay towards your credit card’s balance. It’s low-risk with a high-reward!

 

Step 3: Spend, Make Payments & Watch Your Credit Score Soar

Use your Secured Credit Card for everyday purchases, just like any other credit card. Your card is accepted in stores and online globally. With responsible use and timely payments towards your balance, you can kick-start your credit history. Over time, this can lead to an improved credit score and better financial opportunities!

 
 

Card Control

Card Management In the Palm Of Your Hand

Ready for an easier way to manage your cards? Our upgraded card experience puts more control, convenience and safety in your hands. From instant card activations and clearer merchant transaction info, to robust fraud protections, now you can do even more from our Mobile Banking App.

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Enroll in uChoose®, a premiere rewards program for our VISA® Credit Cards. Earn points with each dollar spent and redeem those points at uchooserewards.com for a wide variety of merchandise, travel, activities and more!

Find out more and earn 5,000 points for registering your card at uchooserewards.com.

 

uChoose Available on Amazon & PayPal

With uChoose Rewards, you can conveniently shop for millions of items at Amazon and use your eligible card at checkout to cover all or a portion of your purchase. Additionally, when you check out with PayPal, you can pay with rewards at millions of retailers.

Enjoy the flexibility to redeem your rewards anytime and experience the benefits of uChoose Rewards.

Don't wait, start paying with rewards now. Learn more…

 

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If you live, work, worship or attend school in these counties:
Oklahoma Counties:Comanche, Caddo, Canadian, Cleveland, Cotton, Garvin, Grady, Jefferson, Kiowa, McClain, Oklahoma, Stephens, Tillman, and Washita
Texas Counties: Archer, Haskell, Montague, Shackleford, Throckmorton, Wichita, and Wilbarger
you may be eligible for membership.
Become a member today and start experiencing the credit union difference.

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For information regarding fees, please refer to our Fee Schedule