Visa Savings Secured

If you have limited credit history or credit card problems have checkered your past, SFPCU wants to help. Our Visa® Savings Secured credit card provides the opportunity to build your credit score while using your SFPCU Savings or Certificate account as collateral.

Now when you open a Visa® Savings Secured card, you'll get a 0% APR* introductory rate on purchases and balance transfers for six months, plus several benefits that allow you to enjoy the flexibility of a Visa® credit card. Improving your credit score improves your financial options in life, and the SFPCU Visa® Savings Secured card is the ideal option.

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Features & Benefits

  • 0% APR* on purchases and balance transfers for 6 months for new cardholders
  • Low minimum monthly payment
  • Free 24-hour information service by phone
  • Online account access and payment, including Visa E-statements
  • EMV chip-enabled security technology

Rates & Disclosures

Interest Rates and Interest Charges
Promotional Annual Percentage Rate (APR) for New Cardholder Purchases Platinum and Savings Secured Visa®: 0% APR is valid for purchases on new accounts opened after 3/31/2016. Purchases must be made within 60 days of account opening to qualify for the promotional rate. The introductory rate of 0% APR is valid for 6 months from the first qualifying transaction.

After the promotional period the rate will return to the standard purchase rate.

Standard APR for Purchases, Balance Transfers and Cash Advances Platinum Visa®: 9.25% - 18.00% Variable APR based on your creditworthiness. Variable APR may adjust quarterly with the market based on the Prime Rate as published in the Wall Street Journal (“Index”).

Savings Secured Visa®: 7.50% Fixed APR.
Penalty APR and When It Applies

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 any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at


Set Up and Maintenance Fee Annual Fee None
Account Set-up Fee None
Participation Fee None
Additional Card Fee None
Transaction Fees Balance Transfer $5 or 1% of the amount of each transfer, whichever is greater
Cash Advance None
Foreign Transaction 1% of foreign transactions in US Dollars
Penalty Fees Late Payment $15
Over-the-Credit Limit None
Returned Payment $25

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

EMV Chip-Enabled Technology
As of September 2015, all of our Savings Secured cards have an embedded EMV microchip with enhanced security technology. To read more about using our chip cards, click here.
*APR = Annual Percentage Rate. Promotional offer is valid on new cards opened after 3/31/16. Purchases and balance transfers must be made within 60 days of account opening to qualify for the promotional rate. The Balance Transfer rate of 0% APR is valid for 6 months from each transaction date. Offer is only valid for balance transfers from existing credit card balances at other financial institutions. The Introductory rate of 0% APR is valid for 6 months from the first qualifying transaction.  A Balance Transfer fee of 1% of the balance transferred (or $5, whichever is greater) will be charged on balance transfers made during the promotional period (within 60 days of account opening). After the introductory periods, the promotional rates will return to standard purchase/balance transfer rate (Rate based upon Prime Rate + a Margin of 6‐12%). All new applications are subject to terms, conditions and credit approval. You must be at least 18 years of age to apply, and show ability to repay future balances or apply with a co‐signer if you are under the age of 21. Rates, fees and terms are subject to change at any time, contact us for more information.
Apply for your SFPCU Visa® Savings Secured credit card today by completing our online application, visiting one of our convenient branches or calling us at 800.222.1391 to speak with an SFPCU Financial Services Loan Officer.
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  • NMLS ID# 409710

APR = "Annual Percentage Rate". Actual APR is based on your credit profile and may be higher than the lowest rate available. Posted rates may include promotional discounts and other terms and conditions. APY = "Annual Percentage Yield". Rates are subject to change without notice.

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