A smarter way to build or rebuild your credit. The PDCU Secured Credit Card gives you real credit-building power—backed by a refundable deposit that sets your limit.
Membership and eligibility requirements apply, with approval subject to application and credit history.
How to Apply
Share Secured Credit Card Details
How It Works
- Make a refundable deposit (typically $200-$500 or more); this becomes your credit limit.
- Use your card anywhere Visa is accepted.
- Make on-time payments each month, and build your credit history.
- Stay responsible, and you may eventually qualify for a PDCU unsecured card and get your deposit back.
Why Choose It?
- Build credit: We report payments to major bureaus on-time payments go where they belong.
- Low risk: Your deposit covers your limit, and there’s no chance of surprise credit declines.
- Refundable deposit: Your money is safe and returned when you upgrade or close in good standing.
- Supportive step forward: Ideal if you’re new to credit, recovering from a setback, or want a safe rebuilding route.
Ready to Begin?
Apply for the Secured Credit Card today or visit one of our Michigan branches to talk it through with a loan officer.
Interest Rates & Interest Charges |
|
|---|---|
| APR for Purchases | 5.25% APR* |
| APR for Balance Transfers | 5.25% APR* |
| APR for Cash Advances | 5.25% APR* |
| Penalty APR and When It Applies | None |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account. |
| Minimum Interest Charge | None |
Fees |
|
| Annual Fee | None |
| Balance Transfer Fee | None |
| Cash Advance Fee | None |
| Over the Credit Limit Fee | None |
| Foreign Transaction Fee | 1% of each transaction in US dollars if the transaction involves a currency conversion. |
| Late Payment Fee | Up to $25 |
| Returned Payment Fee | Up to $25 |
Credit Card Rates
|
Card Type |
Visa Rewards Driven Credit Card | Visa Rewards Driven Share Secured Credit Card |
|
Minimum Payment |
3% of Balance, $30 Minimum | 3% of Balance, $30 Minimum |
|
Term Rate (APR*) as low as |
12.75% | 5.25% |
|
Intro Rate (APR*) First 6 Months |
3.99% | 5.25% |
|
Rates Effective as of: |
||
Frequently Asked Questions
You can quickly check your balance in the MyPDCU Mobile App. Just log in, select your Visa® Credit Card account, and you’ll see your current balance along with any past-due amount. Together, this shows your total amount owed.
When you open a Share Secured Credit Card, you agree to place a certain amount of money in a PDCU savings account as collateral. This deposit is held while the account is open and in good standing. If the account is closed and all balances are paid, the deposit is released back to you.
Yes. Your payment history is reported to major credit bureaus. Making on-time payments and keeping your balance low compared to your limit can help improve your credit profile over time.
Responsible use of a Share Secured Credit Card—such as making on-time payments and maintaining a low balance—may help you qualify for other PDCU credit card options. Approval is not guaranteed and is subject to credit review.
Yes. Your Share Secured Credit Card can be used anywhere Visa is accepted, including online and in person, subject to your available credit limit.
Interest and fees may apply. Please review our Credit Card Disclosures for complete details.
Details & Disclosures
Membership required. Funds held as collateral. Credit limit equals deposit amount. Regular APR applies see the Credit Card Rates & Disclosures page for full details. Not eligible for balance transfers or rewards. Deposit is refunded when account is in good standing and closed or upgraded.
*Annual Percentage Rate (APR) for Purchases
All rates are variable and disclosed as Annual Percentage Rates. Your rate will be based on your credit history, approximate term, and security offered. A lending specialist will let you know the rate you qualify for after reviewing your application documents. Rates are subject to change at any time. For details or latest rate information, contact a credit union representative.
Download the complete disclosure: Rewards Driven Credit Card disclosure and agreement.
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