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secured visa
secured visa

Secured Visa® Credit Card

APPLY NOW

Secured Visa® Credit Card

APPLY NOW
secured visa
secured visa
build your credit
build your credit

Build Your Credit

A Secured Visa credit card from America First gives you a low rate, the purchasing ability you need, and the chance to rebuild your credit. Plus, there's no annual fee. This unique option ties your spending limit to funds in a savings account. Everyone needs the power of Visa and our secured card provides just that.

Beneficial features include:

  • No annual fee 
  • Low rates
  • Credit limits from $500

Build Your Credit

build your credit
build your credit

A Secured Visa credit card from America First gives you a low rate, the purchasing ability you need, and the chance to rebuild your credit. Plus, there's no annual fee. This unique option ties your spending limit to funds in a savings account. Everyone needs the power of Visa and our secured card provides just that.

Beneficial features include:

  • No annual fee 
  • Low rates
  • Credit limits from $500

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  • Personalized Design: use Picture Perfect to create your own card with a photo of your choice.
  • Travel emergency assistance - Get these free services by calling 1-800-VISA-911:
    • Pre-trip assistance, including a list of required immunizations for the destination.
    • Medical emergency assistance will direct you to a hospital with a doctor who speaks English.
    • Translation assistance.
    • Lost luggage assistance.
    • ATM locations where funds can be advanced.
    • Roadside service (Visa will provide help at your location; however, you will have to pay for all services).
  • Auto Rental Insurance: Free coverage for any damage to a rental car when you pay with the Visa Secured Card.
  • Travel Accident Insurance: Free Accidental Death & Dismemberment coverage when you use the Secured Visa Card to book your travel.

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  • Call 1-800-999-3961 to switch to the Cash Back option on your Visa Classic card.
  • Activate a new card: Call 800-562-1337 (24 hours, 7 days) from your home phone or 843-871-5095 from International locations
  • Report a lost or stolen card: Contact the Visa department at 800-999-3961
  • Increase your limit: Complete our online loan application.
  • Ensure the use of your card before traveling: Contact the Visa department before traveling
  • Dispute a Visa purchase: Fax signed forms to (801) 827-8089 for processing.
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Get your Credit Back on Track

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With our Secured Visa credit card.

Other Information

DISCLOSURE

This is a secured credit card.  Credit extended under this credit card account is secured by personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. For California Borrowers, the Classic, Platinum, and Signature cards are secured credit cards.

Variable Rate Information: The Periodic Rate and ANNUAL PERCENTAGE RATE are variable based on an index, which is the highest U.S. "Prime Rate" as published in the Wall Street Journal as of the last business day of each month prior to any change date, plus a margin as set forth on the Rate & Fee Disclosure. The ANNUAL PERCENTAGE RATE is the index value plus a margin. The ANNUAL PERCENTAGE RATE may change on the first day of the following month and any increase or decrease will affect the number of payments you will make. The ANNUAL PERCENTAGE RATE and the Periodic Rate applicable to your account will be disclosed on each monthly statement.

Visa Flat 1% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter decreased by any purchase credits and excluding cash advances, advances made to pay off other loans, or any other increase of your Visa account balance, e.g. fees, interest charges. The amount of the rebate is computed on the amount of Visa card purchases made in each quarter according to the following breakdown: 1% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing.

Visa Unlimited 1.5% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter decreased by any purchase credits and excluding cash advances, advances made to pay off other loans, or any other increase of your Visa account balance, e.g. fees, interest charges. The amount of the rebate is computed on the amount of Visa card purchases made in each quarter according to the following breakdown: 1.5% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing.

For Credit Card Tips from the Consumer Financial Protection Bureau:To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

We reserve the right to amend the VISA Credit Card Agreement as permitted by law.

Visa Credit Card Terms and Agreement

Other Information

DISCLOSURE

This is a secured credit card.  Credit extended under this credit card account is secured by personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. For California Borrowers, the Classic, Platinum, and Signature cards are secured credit cards.

Variable Rate Information: The Periodic Rate and ANNUAL PERCENTAGE RATE are variable based on an index, which is the highest U.S. "Prime Rate" as published in the Wall Street Journal as of the last business day of each month prior to any change date, plus a margin as set forth on the Rate & Fee Disclosure. The ANNUAL PERCENTAGE RATE is the index value plus a margin. The ANNUAL PERCENTAGE RATE may change on the first day of the following month and any increase or decrease will affect the number of payments you will make. The ANNUAL PERCENTAGE RATE and the Periodic Rate applicable to your account will be disclosed on each monthly statement.

Visa Flat 1% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter decreased by any purchase credits and excluding cash advances, advances made to pay off other loans, or any other increase of your Visa account balance, e.g. fees, interest charges. The amount of the rebate is computed on the amount of Visa card purchases made in each quarter according to the following breakdown: 1% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing.

Visa Unlimited 1.5% Rebate Information: A quarterly rebate will be given on your Visa Card purchases made throughout each quarter decreased by any purchase credits and excluding cash advances, advances made to pay off other loans, or any other increase of your Visa account balance, e.g. fees, interest charges. The amount of the rebate is computed on the amount of Visa card purchases made in each quarter according to the following breakdown: 1.5% on all qualifying purchases. The purchase rebate will be credited to your share savings account by the end of the month following the end of each quarter for the previous quarter's purchases. The rebates will only be credited to the accounts of members in good standing.

For Credit Card Tips from the Consumer Financial Protection Bureau:To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

We reserve the right to amend the VISA Credit Card Agreement as permitted by law.

Visa Credit Card Terms and Agreement

We're Here to Help You

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At America First Credit Union, our chief concern is the financial well-being of members. We strive to provide superior products and services and strengthen the communities we serve. 

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