PHFCU Secured Visa
We believe in second chances
Get your credit back on track—or build it from the ground up.
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How it all works
With this card, you'll make a cash deposit to your account first, which determines your credit limit. For example, if you deposit $500, you can borrow up to $500. It might seem like you're just moving the money around, but really it's a no-risk way to build your credit score fast.- Low, fixed rates
- No annual fees
- No application fees
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Rates & Calculator
Credit Cards
Loan Type** Description Minimum Amount Max Amount APR* PHFCU Classic VISA Credit Card Fixed Rate $500.00 $15,000.00 13.90% PHFCU Visa Secured Credit Card Secured with Savings Account $500.00 $5,000.00 13.90% PHFCU Platinum Rewards Variable Rate $500.00 $15,000.00 6.99% + Prime *Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. **See Visa Credit Card Disclosure for additional information. Platinum Visa Disclosure, Visa Credit Card Agreement-Platinum, Visa Credit Agreement- Classic and Secured, Classic and Secured Classic Visa Disclosure.
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To change the PIN on your credit card, please call 1-866-820-3015.If your card is lost or stolen, please call 808-73-PHFCU (737-4328) during business hours or 1-866-820-3015 after business hours to report the missing card.Once you receive your card, you can activate it by calling 866-883-8472.Yes! It's 866-820-3015.