Remember learning to ride a bike? Training wheels helped you balance until you were ready to go on your own. A Share Secured Credit Card works the same way to Build credit for your credit journey giving you the support and structure you need until you’re ready to ride solo with an unsecured card.
At People Driven Credit Union, our Share Secured Credit Card is designed for members who want to build or rebuild credit while enjoying the convenience of a Visa® credit card. It’s an option that puts you in control from day one.
How It Works
- Make a refundable deposit into your PDCU savings account. This becomes your credit limit.
- Use your card anywhere Visa is accepted online, in stores, and on the go.
- Make monthly payments on time to build a positive credit history.
- When you’re ready, you may qualify for an unsecured credit card and get your deposit back.
Why Choose a Share Secured Credit Card?
- Build or rebuild credit history: We report your payment history to major credit bureaus.
- Control your spending: Your credit limit is based on your deposit, helping you budget wisely.
- Low risk, high flexibility: Your deposit acts as collateral.
- Refundable deposit: Get your money back when your account is closed in good standing or upgraded.
Is It Right for You to Build credit?
If you’re starting, recovering from a financial setback, or want to strengthen your credit profile, a Share Secured Credit Card can be a reliable stepping stone. It gives you the purchasing power of a credit card with built-in safeguards and without taking on unnecessary risk.
Get Started Today
Building credit doesn’t have to be stressful. With the PDCU Share Secured Credit Card, you’re in the driver’s seat. Apply online or stop by any of our branch locations to talk with a team member who can walk you through the process.
Membership required. Funds held as collateral in a PDCU savings account. Credit limit equals the deposit amount. Regular APR applies; see our Credit Card Rates & Disclosures for details. Approval is subject to verification and credit review.
Ready to Start Building Your Credit?
The Share Secured Credit Card is a practical first step. If you are also carrying debt while rebuilding, PDCU members have free access to a counselor who can help with both.
Apply for the PDCU Share Secured Card
Make a refundable deposit into your PDCU savings account, use the card for everyday purchases, pay on time each month, and watch your credit history grow. PDCU reports to major credit bureaus. See full product details, current rates, and apply online as an eligible member.
Talk to a Free GreenPath Credit Counselor
If you are rebuilding credit while also managing existing debt, a GreenPath counselor can help you build a plan that addresses both at the same time. PDCU members have free access to GreenPath Financial Wellness, a nonprofit service with no sales pressure and no catch.
Share Secured Credit Card requires a refundable deposit held as collateral in a PDCU savings account. Credit limit equals the deposit amount. Regular APR applies; see current rates and disclosures at peopledrivencu.org/about/rates/. Subject to credit review and membership eligibility. GreenPath Financial Wellness is an independent nonprofit organization. Membership eligibility required for all PDCU products and services. Federally insured by the NCUA. NMLS 776727. People Driven Credit Union is an Equal Opportunity Lender. Build credit.
