Visa® Platinum Secured Fixed Credit Card
Looking for a secured credit card at a credit union? Our Visa® Platinum Secured Fixed Credit Card helps you build credit with a secured card backed by a refundable deposit, a low fixed rate, no annual fee, and free fraud protection.
Not a member? Join today to unlock all the financial advantages of banking with Advia.
What is a secured credit card and how does it work?
A secured credit card works like a regular credit card, but your credit limit is backed by a refundable deposit. The difference with a secured card vs. unsecured card is the deposit, which lets you build or rebuild credit with less risk. Here's what makes our credit union secured card a smart choice:
- Low fixed rate that won't change while your plan is open1
- Credit limits from $500 to $2,500 with a credit card refundable deposit1
- No annual fee
- Free fraud monitoring
- Reports to major credit bureaus to help build your credit history
Why get a secured credit card?
Whether you're just getting started or working to rebuild, a secured credit card offers real benefits. Here's why members choose the Visa® Platinum Secured Fixed Credit Card as their first step:
- Build or rebuild your credit history
- A great first credit card to build credit
- Designed for those with a limited credit history
- Fixed rate that stays predictable
- Refundable deposit returned when you close in good standing
- Secured credit card benefits like fraud monitoring and purchase protection
A fixed rate credit card that keeps things simple.
Unlike variable rate cards, where your rate can change quarterly, your Visa® Platinum Secured Fixed Credit Card locks in a low fixed rate that won't increase while your plan is open. That means predictable payments and no surprises as you work toward better credit.
How to apply for a secured credit card at a credit union.
Getting started with your Advia Credit Union secured card is simple:
Schedule an appointment at any Advia branch
Complete your application and provide your financial details
Make your refundable deposit (which sets your credit limit from $500 to $2,500)
Receive your Visa® Platinum Secured Fixed Credit Card and start building credit
Ready to start building credit?
Apply for the Visa® Platinum Secured Fixed Credit Card. Take the first step toward a stronger credit history with a card designed to help you succeed.
Tools to manage your Visa® Platinum Secured Fixed Credit Card
Your card comes with the same powerful tools included with every Advia Visa® Platinum Credit Card.
Card Security
Keep your card safe with real-time text and email alerts, fraud monitoring, and online purchase protection.
Card Management
Control your cards in Digital Banking with on/off toggles, spending limits, and travel notifications
Mobile Wallet
Add your Advia cards to your mobile wallet for secure, tap-to-pay access anywhere you go
Frequently Asked Questions
A secured credit card works like a traditional credit card, except the credit limit is backed by a refundable security deposit.
Responsible use of a secured credit card, including making payments on time and managing balances, can help establish or rebuild credit history. The card reports to major credit bureaus.
A secured credit card requires a refundable deposit that generally serves as collateral for the credit limit, while an unsecured card does not require a deposit.
The deposit is refundable when the account is closed in good standing, subject to the card's terms and conditions.
Yes. A secured credit card can be used anywhere Visa® is accepted and includes benefits such as fraud monitoring, purchase protection, mobile wallet access, and card management tools.
Still have questions about a Visa® Platinum Secured Fixed Credit Card?
We're here to help. Chat with Ava, schedule an appointment, give us a call, or stop by a branch.
- Credit limit of $500 to $2,500 is secured by a refundable deposit and may be applied to balance if in default. See Terms & Conditions for additional details. APR will not increase while the plan is open. Call 844.238.4228 for details.
Must be 18 or older to apply. All offers and rates are subject to change at any time. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to credit approval.
Members age 60 and over will continue to automatically qualify for FREE paper statements, money orders, and cashier's checks.
Members who qualify for Advantage Plus Rewards under the current program requirements in November 2026 will receive the upgraded rewards beginning in December 2026. Starting in December 2026, the new qualification requirements will apply, and your monthly activity will determine eligibility for rewards in the following month.
There are two changes related to this savings account. A minimum of $15,000 will now be required in the account to earn the high yield rate. Also, those who hold a balance of $250,000 or more in average aggregate deposit accounts will earn an additional 0.25% premium on the Advantage Plus High Yield Savings rate.²
We're updating the names of two deposit accounts to make them easier to understand. Regular Checking will become Ultimate Checking, and Regular Savings will become Core Savings. Only the account names are changing. Your account number, account history, account features, and any custom nicknames you've created in Digital Banking will stay the same. You don't need to take any action.
As part of these updates, the Advantage Plus personal 0.75% APR loan rate discount will be discontinued for new loans after December 1, 2026. But, you can still qualify for a 0.25% APR loan rate discount when you enroll in automatic payments.7
We're updating the program to place a greater focus on members who use Advia for their primary banking needs. The monthly e-Deposit requirement is increasing to $1,000, but we've also made other changes to help balance that increase, including reducing the card purchase requirement and expanding rewards for qualifying members.
Yes. In fact, these changes are designed to help more members qualify for Advantage Plus Rewards. While the e-Deposit requirement is increasing, the number of required card purchases is being reduced from 20 to 10 each month.5 We've also added a new automatic qualification option for members with higher deposit balances. Together, these changes give more members the opportunity to earn rewards.
We're making changes to Advantage Plus Rewards to make it easier to earn and more rewarding for more members. The updated program lowers the card purchase requirement, increases the amount eligible for 5% APY in checking, and adds a new automatic qualification option for members with larger deposit balances.
A savings account gives you flexible access to your money anytime. A certificate of deposit (CD) locks in a guaranteed rate for a set term — typically earning a higher rate in exchange for keeping your money deposited longer. Our savings guides explain when each option makes the most sense for your goals.
Contact Advia immediately at 844.238.4228. Then review our fraud protection guides for steps to secure your accounts, report unauthorized transactions, and protect your identity going forward.
Start by understanding what affects your score — payment history, credit utilization, length of credit history, and types of credit. Our credit building guides walk you through practical steps, and Advia members can monitor their score for free through SavvyMoney® in Digital Banking.
Yes. Our Learning Center includes articles, guides, calculators, and security resources covering saving, borrowing, homebuying, budgeting, credit building, and fraud protection. We add new content regularly to help you stay informed and make confident financial decisions.
Everyone. Our guides, blog articles, calculators, and security tips are free and available to anyone — whether you're an Advia member or not. No login required.
Yes. Your funds are federally insured by the NCUA up to $250,000 per depositor, and you can access them anytime through Digital Banking.
Yes. Many members use a Non-Interest Savings account as a separate savings account to organize money by purpose, such as a specific bill or a set-aside fund.
No. A Non-Interest Savings account has no minimum balance and no monthly maintenance fee, so you can keep as much or as little set aside as you'd like.
If you'd rather grow your money, an interest-earning account is a better fit. Take a look at Regular Savings for an everyday option, or Advantage Plus High Yield Savings if you want to earn a higher rate when you meet Advantage Plus Rewards qualifications.
No. This account is designed to hold your money without earning interest, which makes it a simple, no-frills place to set funds aside.
The child gains access when they reach the age of majority, which is determined by your state of residence. Until then, only the custodian is authorized to transact on the account.
You can open a UTMA Savings account over the phone or at any Advia branch. One adult custodian opens and manages the account, and you'll designate the minor it's for. Appointment of a successor custodian is strongly encouraged.