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Secured MasterCard

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Take control of your finances with ourĀ Secured MasterCardĀ®

With CRCUā€™s Secured MasterCardĀ® you'll build credit history. It works just like a regular credit card - because it is one!

  • No credit check required
  • Can help you establish or repair credit history
  • Credit limit from $500 to $2,500
  • No annual fee
  • No over-limit feeĀ 
  • Accepted at millions of locations around the worldĀ 
  • Zero liability for unauthorized use
  • Fraud detection and prevention resources
  • At least 21-day grace period on purchasesĀ 

This card is best used for:

  • Establishing Credit
  • New Credit Card Users
  • Rebuilding Credit








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With our Secured MasterCardĀ® you'll enjoyā€ :

  • Zero Liability**Ā - You'll never be held responsible for unauthorized purchases.
  • ConvenienceĀ - Purchasing power with worldwide acceptance
  • Fraud Detection & PreventionĀ - MasterCardĀ® offers a sophisticated, multi-level fraud monitoring system to protect cardholders from data compromise and fraud 24/7.

ā€ Please view MasterCard Guide to BenefitsĀ for exact details and disclosures on the listed benefits.

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What to know

  • No credit score needed to apply
  • Secured by your own savings account
  • Ability to a branch, or by mail or phone
Loan TypeĀ 
 Non-Variable Annual Percentage Rate (APR*) for Purchases
Secured MasterCardĀ®Ā 
 17.95%Ā 
*APR = Annual Percentage Rate. Ā Please see our Terms & Conditions for rate, fee, and other cost information. All terms, including the APRs and fees, are subject to change at any time, for any reason, in accordance with the Agreement and Disclosure Statement and applicable law.Ā  Please contact us for more information. Limited-time offer. Rates accurate as of 01/01/26. CRCU membership required.
**With MasterCardĀ®'s Zero Liability policy, you are protected from all unauthorized transactions on your card. MasterCard's Zero Liability policy does not apply to cards used primarily for business, commercial, or agricultural purposes.Ā View, pay, and manage your CRCU credit card account online via mobile or online banking.Ā You'll be able to view more than a year's worth of statements, make payments, quickly receive balance, transaction history, payment due date, and much more. Ā Questions?Ā  Contact Us,Ā we're here to help!

How to get yours:

Apply for your CRCU Secured MasterCard in person at your neighborhood CRCU branch, or by phone at (800) 238-3228, or online.Ā 

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Ready to join a Credit Union?

From fee-free ATMs to our free checking accounts, we're here to help you make your financial life simple & easy!Ā 

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