Credit Cards

Visa Share Secured

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

You’ll get a fixed low rate and 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 Share Secured card is the ideal option.

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Features & Benefits

  • No fees for maintenance, balance transfers or cash advances
  • Low minimum monthly payment
  • Free 24-hour information service by phone
  • Online account access and payment, including Visa E-statements

Rates & Disclosures

Annual Percentage Rates for SF Police Credit Union VISA® Secured and Unsecured Credit Cards
Standard APR for Purchases, Balance Transfers and Cash Advances Platinum and Affinity 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, Western Edition (“Index”).

Share Secured Visa: 7.50% Fixed APR

Variable APR may adjust quarterly with the market based on the Prime Rate as published in the Wall Street Journal, Western Edition ("Index").

Disclosure Table for SF Police Credit Union VISA Secured and Unsecured Credit Cards
Penalty APR 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 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 http://www.consumerfinance.gov/learnmore.

Fees

Fees
Set Up and Maintenance Fee None
Transaction Fees
Balance Transfer None
Cash Advance None
Foreign Transactions 1% of foreign transactions in US Dollars
Penalty Fees
Late Payment $15
Over-the-credit Limit None
Returned Payment $25
Other Fees
Required Insurance None

How We Will Calculate Your Balance: Average daily balance including new purchases.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Apply for your SFPCU Visa Share 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.

Financial Services for First Responders
  • Federally insured by the National Credit Union Administration
  • Equal Housing Opportunity
  • 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.

SFPCU proudly provides banking and loan solutions for police, firefighters, EMTs and other first responders and their families in CA and beyond. Member eligibility

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