Credit Builder Credit Card


A no-fee way to build better credit

Apply for a SEFCU Mastercard® Secured Credit Card and start improving your personal credit score.


weightlifter lifting credit cards

Build credit


Features & Benefits

Secured by your deposit account

  • Credit lines beginning at $500
  • No annual fee
  • $0 fraud liability* protects you 24/7
  • Helps you build and/or improve credit
credit card


Fees & Rates

Current Rates

APR for purchases and balance transfers APR for cash advances
10.00%** 12.00%**


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


See which is best for you

Credit Builder Credit Card

  • Secured with your SEFCU savings or Share Certificate
  • No annual fee
  • Helps build your credit
  • $0 fraud liability*


Secured Loan

  • Borrow against your SEFCU Primary Savings account or Share Certificate
  • Some of our lowest loan rates
  • Money on deposit continues to earn dividends
  • Helps build your credit

Learn More

Apply Now

Apply for a SEFCU Credit Builder Credit Card today

Current SEFCU member?

Start Now

Not a member?


Personal Credit Builder

Boost Your Credit Score

Secured by your deposit amount

No annual fee, plus $0 fraud liability**


View Credit Builder

More to think about...

Products, services, terms, and conditions are subject to change without notice. All loans are subject to creditworthiness. SEFCU membership is required.
* Certain restrictions apply. See for details.
*** Annual Percentage Rate on all credit cards is variable. Applies to purchases, balance transfers, and cash advances. Published rate assumes credit worthiness. Other rates and terms may apply. Rates accurate as of today, February 2, 2023, and subject to change without notice. The Annual Percentage Rate is subject to change quarterly to reflect any changes 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 November 15, 2022, the Prime Rate was 7.00%. Future Prime Rates and corresponding APRs will vary.
Review complete disclosures.