Credit Cards

Secured Visa

Helping students wherever they go

No credit? No problem! The Stanford FCU Secured Visa Credit Card lets you safely build or re-establish your credit history. It uses your savings account as collateral and works just like any other credit card. We know how important good credit is to you, and Stanford FCU is here to help you get it back.

To set an appointment with a member of our team, click here: Set Appointment

Features

  • NO Annual Fee
  • Low annual percentage rate (APR)
  • Apple Pay, Samsung Pay and Android Pay — available with your credit and debit cards. Learn more.
  • NO foreign currency exchange fee — great for international travelers!
  • NO cash advance fee
  • NO balance transfer fee
  • Purchase Security (FAQ | Guide)
  • Auto Rental Collision Damage Waiver (FAQ | Guide)
  • Fraud Text Alerts

 

 

Set Up Your Mobile Wallet

Set Up Your Mobile Wallet

Mobile Wallets are no longer the wave of the future. They’re an everyday payment option.

Get started today:

  1. Set up your Mobile Wallet. Choose the option (Apple Pay, Samsung Pay, Android Pay) that is compatible with your mobile device. Download the appropriate app and follow the installation instructions.
  2. Make a Contactless Purchase. Wherever you see the contactless symbol, you can use your mobile wallet. Select the Stanford FCU payment card within your mobile device and either tap or hover your device over the merchant card reader to activate the transaction.

Enjoy all the benefits of your Stanford FCU Visa debit or credit cards using Mobile Wallets.

 

Learn More

Rates

 

Method of computing the balance of purchases:
Average Daily Balance Including New Purchases

 

Visa Card
Information
Rate
Information
Annual Percentage
Rate for Purchase
Grace Period for
Balances of Purchases
Annual
Fee
Secured Visa 17.99% Corresponding to a daily period rate of 0.0493% None None

See Rates

For California Borrowers, the Secured Visa is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

Fees

No Hidden Fees

We don’t believe you should have to pay extra just to use basic banking services. We have the Visa Card that fits your lifestyle without any hidden fees, allowing you to do more and bank less.

Annual Fee None
Cash Advance Fee None (Interest will be charged on Cash Advances starting on the transaction date.)
Balance Transfer Fee None (Interest will be charged on Balance Transfers starting on the transaction date.)
Foreign Transaction Fee None
Late Payment Fee $7
Return Payment Fee $20.00 or the amount of the required minimum payment, whichever is less
Penalty APR None

See Visa Agreement Disclosure

Disclosures

Stanford FCU does not charge foreign transaction fees, but other financial institutions or merchants may.  All members are required to have a $5 membership balance in any of the following accounts: Checking Account, Savings Account, Money Management Account, Share Certificate or Individual Retirement Account.
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