Visa® Secured Credit Card

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Visa Secured Credit Card Visa Secured Credit Card Mobile

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What You Need1

  • Must be an established GKCU member
  • 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 a contactless card that allows you to make payments with participating merchants at contactless-enabled checkout terminal.

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 an GKCU Visa Credit Card with no transfer fee.2 For more information, please visit our Balance Transfer page.

Credit card accounts can be used as overdraft protection3 for a GKCU checking account. See our Overdraft Transfer Service page for more information.

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.

Learn More about ID Navigator Powered by NortonLifeLock »

Monthly and annual transaction statements available online.

Learn more about statement options »

Your photo will be added to the card for additional security.

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.

1 Subject to approval.
2 Additional fees may apply. Interest begins to accrue at time of balance transfer. Annual Percentage Rate (APR) as of 01/21/2021 is 7.75%. This rate is variable and subject to change.
3 Overdraft transfers are made in $50 increments, up to the available line of credit. A $0.50 fee will be accessed to the protected checking account per overdraft transfer.