Visa® Secured
EXCITE IS THE COMMUNITY'S CREDIT UNION
VISA® Secured
Build or rebuild your credit—no credit qualifications required.
Best for Members with limited or challenged credit who want to improve their score responsibly.
Quick Highlights
Build Credit History
No Credit Qualification Required
Secured by Savings Deposit
Fraud Protection
Secured Card Benefits
| Key Features | • No credit qualification required to apply |
| • Credit limit backed by your savings deposit (100% refundable) | |
| • Helps build or rebuild credit with on-time payments | |
| • Worldwide VISA acceptance | |
| Best For | Members looking to establish or rebuild credit with a low-risk, controlled spending option |
| Annual Fee | $0 |
| APR | 18.24% APR* on purchases |
| Credit Limit | Equal to your secured savings deposit |
| Security | Free Visa® Purchase Alerts |
| & zero liability if your card is lost or stolen | |
| Extra Benefits | Travel Accident and Auto Rental Insurance |
Learn more about our other credit cards
Disclosure
* APR = Annual Percentage Rate. For additional credit card program details, please review the Application and Solicitation Disclosure. Impact on your credit may vary, and some users’ scores may not improve as credit scores are independently determined by credit bureaus based on a number of factors. Excite Credit Union will report your transactions to Transunion®, Experian®, and Equifax®. Speak with an Excite representative for details.