Visa® Secured Credit Card
Start building your credit today!
What You Need1
- An established GKCU membership
- Amount of the credit limit deposited into a Visa Shares account, which will be held as collateral (minimum of $300)
- Authorization to run a credit report
Primary Features
“Tap to pay” is a feature on contactless cards that allows you to make payments with participating merchants at contactless-enabled checkout terminals.
Learn more about tap-to-pay »
As a service to our members we offer the ability to transfer your high interest loans and credit card balances from another institution to a GKCU Visa Credit Card with no transfer fee.2 For more information, please visit our Balance Transfer page.
No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can give you greater peace of mind. ID Navigator Powered by NortonLifeLock helps provide you with tools so you can act quickly.
Monthly and annual transaction statements available online.
Learn more about statement options »
To select and customize or reset your PIN, call (888) 886-0083 and follow the prompts.
Important Information
Approval of new credit card applications is limited to residents of North Carolina.
2 Interest begins to accrue on purchases and balance transfers from the day the transaction is added to the daily balance and continues to accrue until the total amount owed is paid.. You can avoid paying interest on purchases and balance transfers if you pay the entire balance for the prior billing cycle by the payment due date in the current billing cycle. You cannot avoid paying interest on cash advances. The Annual Percentage Rate (APR) as of 01/21/2026 is 11.00% and applies to purchases, balance transfers and cash advances. This variable APR is subject to change on the first day of your billing period that begins in January, April, July and October. The APR will not exceed the maximum permitted by applicable law.