Visa® STEEL Secured Credit Cards
Visa STEEL Secured Credit Cards
A secured credit card is a great way to build or rebuild credit. You set your credit limit by putting down a cash deposit that way you’re in control of your spending. Our Visa STEEL Secured Credit Card options can help you reach your goals and give you added union benefits.
- 0% APR* for First 6 Months
- Set Your Credit Limit
- Limits Ranging From $500 to $20,000
- No Annual Fees
- No Cash Advance or Balance Transfer Fees
Visa Credit Cards
| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $20,000 | 0% Intro for first 6 months, 13.23% to 17.98% thereafter* |
| VISA® STEEL Rewards | None | $20,000 | 16.23% to 17.98% |
| VISA® STEEL Secured | None | $20,000 | 0% Intro for first 6 months, 10.23% thereafter* |
| VISA® STEEL Secured Rewards | None | $20,000 | 13.23% |
*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions.
Information accurate as of January 2, 2025.
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| LOAN TYPE | ANNUAL FEE | MAXIMUM AMOUNT | ANNUAL PERCENTAGE RATE - VARIABLE |
| VISA® STEEL | None | $20,000 | 0% Intro for first 6 months, 13.23% to 17.98% thereafter* |
| VISA® STEEL Rewards | None | $20,000 | 16.23% to 17.98% |
| VISA® STEEL Secured | None | $20,000 | 0% Intro for first 6 months, 10.23% thereafter* |
| VISA® STEEL Secured Rewards | None | $20,000 | 13.23% |
*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions.
Information accurate as of January 2, 2025.
Credit Card Fees
| Late Fee (If payment is received 11 or more days past the Payment Due Date) | $20.00 or the amount of the required minimum payment, whichever is less |
| Returned Check/Payment | $25.00 or the amount of the required minimum payment, whichever is less |
| VISA® Currency Conversion | 1% of transaction |
| Credit Card Replacement Fee (For cards replaced more than two times in a twelve month period) *Effective July 15th, 2019 | $10.00 |
Frequently Asked Questions
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What is a Visa STEEL Secured Credit Card?
A Visa STEEL Secured Credit Card requires a minimum deposit of $500 to act as your collateral or line of credit. This deposit will not be accessible while the account is open. This is great for individuals who may be looking to improve their credit score.
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What will my limit be?
Limits range from $500 to $20,000 depending on your collateral deposit amount.
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Can I add to my deposit after opening my Visa STEEL Secured Rewards?
Yes, you can add to your deposit after opening your credit card.
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After having a Visa STEEL Secured Rewards, when can I apply for a Visa STEEL Rewards?
We generally recommend 12 months of on-time payments with your Visa STEEL Secured Rewards before applying for the unsecured Visa STEEL Rewards.
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When do I get my collateral deposit back from the Visa STEEL Secured Rewards?
Collateral deposits are returned to the member when the account is closed and if payments are current.
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What should I do if my card is lost or stolen?
If your card is lost or stolen, please call 866.833.4232.
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What if I need to call while out of the country?
When out of the country, you can call collect: 727.299.2449.
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Do I have to tell you when I’m traveling?
To ensure you’re able to use your card with no interruptions, we highly recommend letting us know if you plan on traveling or making purchases in another country (including online) so your purchases aren’t flagged by our fraud detection system. Call or text us at 800.877.4444.
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What Other Benefits do I Get as a Union Member?
Strike Relief and Union Rebate
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What is Strike Relief?
Strike Relief kicks in if you go on a union sanctioned strike or lockout. This will allow you to defer payments on your Visa account for up to three months.
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What’s a Union Rebate?
We donate a rebate of 1% of the annual interest paid on your Visa account to your local union’s preferred charity.