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 and balance transfers | APR for cash advances |
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10.00%** | 12.00%** |
Fees
Item | Fee |
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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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See which is best for you
Credit Builder Credit Card
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Secured Loan
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Apply for a SEFCU Credit Builder Credit Card today
Current SEFCU member? Start Now |
Not a member? Join SEFCU |
Personal Credit Builder
Boost Your Credit Score
Secured by your deposit amount
No annual fee, plus $0 fraud liability**
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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 $5,000
Use as overdraft protection
Home Equity Line of Credit
Use Your Home for Credit
Access extra cash when needed
Fixed and variable rates available