Visa Shared Secured Credit Card | Building Credit Just Got Easier...

Build or restore your credit score with Greater Texas Credit Union.

It can be a monumental task to find a good credit card with less than stellar credit. The Visa Shared Secured credit card makes it all possible, from financing your lifestyle to protecting you from future credit concerns. This option limits transaction use and credit limits allowing you to rebuild your credit over time.


When a credit card is “secured,” it means money must be deposited with the credit union in order to open an account. That money is known as a security deposit. And it’s held by the credit union while the account is open, similar to the security deposit given to a landlord to rent an apartment.
 
  • No annual fees
  • Fixed annual percentage rates
  • Available to subprime credit scores
  • Fraud protection
  • Protect your bottom line
  • Build credit over time
  • $500 minimum security deposit 
Apply Online

Visa Shared Secured Credit Card Rates

Check out Visa Shared Secured credit card rates and see how they compare to those of other Greater Texas Credit Union credit cards.

Interest Charges Interest Rates for card types
Annual Percentage Rate (APR) for Purchases
Platinum

9.24% to 17.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Classic

7.24% to 15.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Shared Secured

16.00% This APR is fixed rate.
APR for Cash Advances
Platinum
13.75% to 17.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Classic
7.24% to 15.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Shared Secured
16.00% This APR is fixed rate.
APR for Balance Transfers
Platinum
13.75% to 17.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Classic
7.24% to 15.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
Shared Secured
16.00% This APR is a fixed rate.

What to Expect When You Apply

Application

Fill out our online application
or apply at your local branch.

Officer Review

A decision will be made
in one business day.

Finalize

Sign loan documents via
email or in person.

Visa Shared Secured Credit Card FAQs

Q: What kind of fraud protection does the Visa Shared Secured credit card offer?

A: Greater Texas Credit Union utilizes Falcon Fraud Protection for every one of our credit card options. This unique service supplies automated fraud detection that specifically monitors purchases made through a credit card. If your card becomes lost or stolen, please call our fraud hotline at 877-703-5978.


Q: Are there fees I need to worry about with the Visa Shared Secured credit card?

A: We love spoiling our members at Greater Texas Credit Union! Enjoy a $0 annual credit card fee just for using your Visa Shared Secured credit card.


Q: How can I pay off my Visa Shared Secured credit card balance online?

A: As a Visa  Shared Secured credit card holder, you may pay off your balance online through an online portal or over the phone with a credit union representative. Please bear in mind that it is free to pay your balance online, but there is an additional $10 fee for balances paid via phone.

 

See What Our Members Have To Say

“Great Credit Union! I need copies made of each and every transaction. They accommodate with no questions. I am always greeted with a "Hello" and a smile. ALL of the staff seem knowledgeable and act as though they are enjoying their job. The service is very fast. Best of all... NO FEES for doing my banking with them!.” - Bill S.


Feel confident in every transaction by applying for a Visa Secured credit card today.


Apply Online

Lending Notice

Application and Solicitation Disclosure

New member applicants may not be eligible for unsecured loan applications for a period of 90 days. All unsecured loan applications may require additional review and verification during the application process.
No loan applications will be considered until membership applications have been completed and all information including identification verified.


*Annual Percentage Rate (APR)

The APR you receive for the subaccounts (except Share Secured, Stock Secured, and Certificate Secured) will be within the range disclosed above and is based on your credit worthiness. Ask the credit union for the rate you qualify to receive.


Falcon Fraud Protection is an automated fraud detection service that monitors plastic card purchases. 

Lost or stolen credit card call 877-703-5978.