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Secured MasterCard

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Take control of your finances with our Secured MasterCard®

With CRCU’s Secured MasterCard® you'll build credit history. It works just like a regular credit card - because it is one!

  • No credit check required
  • Can help you establish or repair credit history
  • Credit limit from $500 to $2,500
  • No annual fee
  • No over-limit fee 
  • Accepted at millions of locations around the world 
  • Zero liability for unauthorized use
  • Fraud detection and prevention resources
  • At least 21-day grace period on purchases 

This card is best used for:

  • Establishing Credit
  • New Credit Card Users
  • Rebuilding Credit








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With our Secured MasterCard® you'll enjoy†:

  • Zero Liability** - You'll never be held responsible for unauthorized purchases.
  • Convenience - Purchasing power with worldwide acceptance
  • Fraud Detection & Prevention - MasterCard® offers a sophisticated, multi-level fraud monitoring system to protect cardholders from data compromise and fraud 24/7.

†Please view MasterCard Guide to Benefits for exact details and disclosures on the listed benefits.

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What to know

  • No credit score needed to apply
  • Secured by your own savings account
  • Ability to pay online, at branch, or by mail or phone
Loan Type 
 Non-Variable Annual Percentage Rate (APR*) for Purchases
Secured MasterCard® 
 17.95% 
*APR = Annual Percentage Rate.  Please see our Terms & Conditions for rate, fee, and other cost information. All terms, including the APRs and fees, are subject to change at any time, for any reason, in accordance with the Agreement and Disclosure Statement and applicable law.  Please contact us for more information. Limited time offer. Rates accurate as of 01/01/25. CRCU membership required.
**With MasterCard®'s Zero Liability policy you are protected from all unauthorized transactions on your card. MasterCard's Zero Liability policy does not apply to cards used primarily for business, commercial, or agricultural purposes. For more information about MasterCard®'s Zero Liability policy, click here. View, pay, and manage your CRCU credit card account at eZCardinfo.com. You'll be able to view more than a year's worth of statements, make payments, quickly receive balance, transaction history, payment due date, and much more.  Questions?  Contact Us, we're here to help!

How to get yours:

Apply for your CRCU Secured MasterCard in person at your neighborhood CRCU branch, or by phone at (800) 238-3228, or online. 

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From fee-free ATMs to our free checking accounts, we're here to help you make your financial life simple & easy! 

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