Visa Credit Cards

Visa Secured Credit Card

Empower Your Financial Journey with our Visa Secured Credit Card!


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Establish or Rebuild Your Credit with Confidence

KCT’s Visa Secured Credit Card is designed to help you establish or rebuild your credit with ease and confidence. Our credit union is dedicated to empowering you on your financial journey by providing the tools and resources you need to achieve success. Our Visa Secured Credit Card is the perfect solution for those looking to create a strong credit foundation or repair their existing credit.

Key Features:

  1. Low Initial Deposit: Start your journey with a low initial deposit, as low as $5001, and enjoy the convenience and financial freedom that comes with a Visa Secured Credit Card.
  2. Credit Building: Boost your credit score by making responsible and timely payments. We report your activity to all three major credit bureaus, which helps you establish or rebuild your credit history.
  3. No Annual Fee: We believe in giving you the best value for your money, and that's why our Visa Secured Credit Card has no annual fee.
  4. Worldwide Acceptance: Enjoy the convenience and security of a Visa card, accepted at millions of locations worldwide.
  5. Online & Mobile Banking: Track your spending, make payments, and monitor your credit progress with our user-friendly online and mobile banking platform.
  6. Fraud Protection: Rest assured, your account is protected with 24/7 fraud monitoring and Visa’s zero liability* policy for unauthorized transactions.
  7. Enhanced Fraud Protection: Receive near-real time alerts, advanced card controls, and the power to freeze or reactivate your misplaced or stolen card using KCT’s Digital Card App.
  8. Credit Line Increase Opportunities: As you demonstrate responsible credit management, you may become eligible for a credit line increase, further boosting your credit-building potential.
  9. Free Financial Education: Take advantage of our free financial education seminars to help you stay informed and make better financial decisions.

Take control of your finances with our Visa Secured Credit Card and let us help you pave the way to a brighter financial future! Apply online or visit one of our branches to start your journey toward credit success. If you have any questions, our friendly and knowledgeable staff is here to help.

1$500 minimum deposit required to receive KCT Secured Credit Card. Funds are used as collateral for the card and kept in a KCT Savings Account.

*Visa’s Zero Liability Policy covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial transactions, PIN or other transactions not processed by Visa. You must notify KCT immediately of any unauthorized use.