Visa® Credit Card
Primary Features
As a service to our members we offer the ability to transfer your high interest loans and credit card balances from another institution to an SECU Visa Credit Card with no transfer fee.3 For more information, please visit our Balance Transfer page.
Credit card accounts can be used as overdraft protection for an SECU checking account. See our Overdraft Transfer Service page for more information.
Rental car protection offered through the Visa® Auto Rental Collision Damage Waiver Program.
To select and customize or reset your PIN, call (888) 886-0083 and follow the prompts.
Already have a Credit Union credit card and need additional buying power? You can request a credit line increase through Member Access, at your local branch or after hours by calling our 24/7 Member Services. Credit line increases are permitted for existing credit cards regardless of the state in which you currently reside.
Additionally, the Credit Union may automatically increase your credit limit from time to time based on your repayment history and other factors. We will notify you of any automated increase. Of course, you can decline any automated increase by simply letting us know.
How to Apply4
You can apply online through Member Access.
Print and review a Loan Information Checklist before requesting a loan at your local branch.
You can apply by phone at (888) 732-8562.
Important Information
Approval of new credit card applications is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia.2 The APR equals 7.50% plus the Index Rate. The Index Rate is the 26-week Treasury Bill rate set at the first T-Bill Auction held each quarter and adjusted up to the nearest 0.25%. Because the Index Rate is subject to change each quarter, the APR is as well. The recent index is 0.160% as of 4/6/20. There is no minimum interest rate. The maximum rate is 18.00% variable APR.
3 Interest begins to accrue at time of balance transfer.
4 Subject to additional underwriting and credit approval.