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Secured VISA®

Use a deposit account balance as collateral to build your credit

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Secured VISA®

Lost or Stolen Card

Secured VISA®

An excellent way to build or rebuild your credit

  • Uses a deposit account balance as collateral to open a VISA® credit card
  • Quick & easy approval in-branch or online 
  • Maximum credit limit is based on available balance in savings
  • Secured funds equal to the outstanding credit limit must remain for the duration of the loan
  • Not eligible to earn VISA® Reward Points or 1% Cash Back
  • Online & Mobile Banking
  • End-of-Year Member Reward Dividend
  • No Annual Fee
  • VISA® Zero Liability Protection for unauthorized charges
  • EMV Contactless Card technology for tap-and-go payments
  • Instant Issue VISA® cards printed in-branch
  • CardNav mobile app for 24/7 card management
  • Verified by VISA® provides added protection for online purchases
  • Monthly Statements
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Report Lost or Stolen Card

  • Call our local contact center at 801-359-9600 during business hours
  • Call 800-682-6075 after hours

"Similar to a Secured Loan, this VISA® credit card uses money from your deposit account as collateral, which guarantees instant approval of their low fixed rate of 9.90%. Your credit limit cannot exceed your deposit account balance, which hasn't been a problem for me because I'm only using this to raise my credit score. This is a good option for people trying to build or re-build their credit score without taking on bad debt."

American United FCU Member

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VISA® Credit Card Rates

Rates up to date as of July 4, 2024. Rates subject to change without notice.

Fixed Rate Credit Cards1Annual Percentage Rate
VISA® Reward PointsAs low as 9.90% fixed
VISA® Cash BackAs low as 12.90% fixed
VISA® Secured9.90% fixed for all credit scores
VISA® Business Cash Back As low as 9.90% fixed

APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Minimum limit is $200.00 unless part of a promotional program.

Want a Secured Loan instead?

Another excellent way to build or rebuild your credit

  • Similar to our Secured VISA® Credit Card
  • Uses your savings, checking, or certificate account balance as collateral for the loan
  • Loan terms up to 120 months
  • Maximum loan amount is based on secured account balance
  • Quick & easy approval in-branch or online
Secured Loans