Secured Visa

This is a picture of our credit card

It's a real credit card, not a prepaid or debit card

A secured credit card is designed to help you establish, strengthen or rebuild credit.

Get started with a security deposit

Your maximum credit limit will be determined by the amount of the security deposit you provide. ($250 minimum, $2000 Max)
After 12 months, you may request the credit union release your security deposit.  You will be asked to provide proof of income and based on your overall credit history, you may qualify to have your security deposit returned while you continue to use your card. Some members may not qualify after 12 months.


Use for purchases and cash advances. There is 25 day grace period on purchases.

Secured VISA Card Information & Disclosures

Click here to print an application.

Click here to view the Consumer Credit Card Agreement and Disclosure.

Click here to view the Credit Card Account Opening Disclosure.

Click here to view the Credit Card Application Disclosure.

Click here to view the Secured Credit Card Authorization.


Visit to pay your credit card and manage your account conveniently, online.

Enrollment Required

If you have a NFFCU Visa card, it is required that you enroll in Verified by Visa. If you are not enrolled, dispute rights for a fraudulent transaction are in jeopardy and may be denied. Verified by Visa is designed to reduce internet fraud. Verified by Visa is just one more way to protect you!

  • Click here to enroll your NFFCU Visa card in the Verified by Visa Program

Lost or Stolen Cards

Please report Lost or Stolen cards immediately to 1-800-299-9842.


To apply, click here.


Interest Rates and Interest Charges


Annual percentage Rate (APR) for Purchases



Penalty APR and When it Applies


 Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases if you pay your entire balance by the due date. We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge If you charged interest, the charge will be no less than 0.9917% monthly
 For Credit Card Tips from Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at


 Annual Fee  None

 Transaction Fees

  • Cash Advances
  • Foreign Transaction




1.0% multiple currency conversion, 0.8% single currency conversion

 Penalty Fees

  • Late Payment
  • Over-the Credit-Limit
  • Returned Payment

Up to $30.00


Up to $25.00

 Other Fees

  • Statement Copy
  • Card Replacement
  • Rush Fee





 How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). *An explanation of this method is provided in your account agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.


  • Equal Housing Lender NCUA
  • Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. government agency