Credit Cards

Secured Visa® Credit Card

Classic Secured Student Credit Card

Build or rebuild your good credit!

You can safely build or re-establish good credit with this low-rate credit card. It uses your savings account as collateral, and works just like any other credit card (with no annual fee!).

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  • Secure your card with deposits in a Stanford FCU Certificate, savings or Money Market Account
  • Low annual percentage rate
  • No annual fee, no cash advance or balance transfer fees
  • No foreign transaction fees on purchases in other countries
  • Manage your card with convenient online tools like text alerts, locking and unlocking your card, notifying us when you’ll be traveling, and more
  • Fraud text alerts, tap and pay, and compatible with mobile wallets
  • NEW! 1% cash bonus for Ambassador level members!
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Purchase Security Benefits

Learn about the Purchase Security benefits available with your Secured Visa Credit Card.

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Secured Visa Credit Card Rates

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

Effective 6/24/22. Method of computing the balance of purchases: Average daily balance including new purchases

Money 101 Education

Learn the financial basics to take control of your money with our online learning modules. You can also check your credit with a free credit report.

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All credit cards are subject to credit approval and membership eligibility. A U.S. address is required for membership. Rates are based on creditworthiness and other factors, and may be higher than the rate shown. Rates and terms subject to change without notice. APR=Annual Percentage Rate.

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.