OverviewA no-fee way to build better creditApply for a SEFCU Mastercard® Secured Credit Card and start improving your personal credit score.
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 Build credit
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Features & BenefitsSecured by your deposit account
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Fees & Rates
Current Rates
| APR For Purchases & Balance Transfers | APR for Cash Advances |
|---|---|
| As low as 8.25%*** | As low as 10.25%*** |
Fees
| Item | Fee |
|---|---|
| Annual Fee | No fee |
| Balance Transfer Fee | No fee |
| Cash Advance Fee | No fee |
| Foreign Transaction Fee | No fee |
| Late Payment Fee | Up to $25 |
| Returned Payment Fee | Up to $25 |
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Credit Builder Credit Card
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Secured Loan
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Apply for a SEFCU Credit Builder Credit Card today
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Personal Credit Builder
Boost Your Credit Score
Secured by your deposit amount
No annual fee, plus $0 fraud liability**
Apply
More to think about...
Payment Protection
Keep Credit Strong
Helps cover credit card bills
Protects against covered life event or disability
Personal Line of Credit
Cash When You Need It
Borrow up to $30,000
Use as overdraft protection
Home Equity Line of Credit
Use Your Home for Credit
Access extra cash when needed
Fixed and variable rates available
* Certain restrictions apply. See mastercard.us/zero-liability for details.
*** Annual Percentage Rate on all credit cards is variable. Applies to purchases, balance transfers and cash advances. This is based upon the card being secured by a SEFCU Mint Savings, SEFCU Preferred Savings, or SEFCU Share Certificate with a balance equal to the approved credit limit plus an additional 10%. Rates accurate as of today, December 11, 2019, and subject to change without notice. The Annual Percentage Rate is subject to change quarterly to reflect any change in the Index and will be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July, and October) as published in The Wall Street Journal “Money Rates” table to which we add a margin. The new rate will be effective with the first billing cycle of April, July, October, and January, respectively. As of August 15, 2019, the Prime Rate was 5.25%. Future Prime Rates and corresponding APRs will vary.
Review complete disclosures.
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