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
CardSwap
Update your Advia card on file with over 50 online services in just a few clicks.
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.
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.
The deposit is refundable when the account is closed in good standing, subject to the card's terms and conditions.
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.
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 works like a traditional credit card, except the credit limit is backed by a refundable security deposit.
After the introductory period ends, the standard variable APR associated with your account will apply.
Yes. Balance transfers may be eligible for introductory APR promotions when completed during the promotional period.
A variable rate credit card may be a good choice if you are looking to save on interest, consolidate balances, or reduce the cost of carrying a balance.
A variable rate credit card has an interest rate that may change over time based on market conditions and the terms of the account.
One option is moving your balance to a lower-rate credit card. The Visa® Platinum Variable Rate Credit Card is designed to help qualifying members reduce interest costs with competitive rates and introductory APR offers.
The Visa® Platinum Secured Fixed Credit Card is designed to help members build or rebuild credit with a secured card backed by a refundable deposit.
The Visa® Platinum Variable Rate Credit Card may be a good fit if you want a credit card focused on competitive rates, introductory APR options, and interest savings.
The Visa® Platinum Advantage Points Credit Card is designed for members who want to earn rewards on eligible everyday purchases, including dining, gas, groceries, and more.
Advia Visa® credit cards include benefits such as no annual fee, free fraud monitoring, online purchase protection, mobile wallet access, and easy-to-use card management tools.
The right Advia Visa® credit card depends on your financial goals. Choose the Visa® Platinum Advantage Points Credit Card if you want to earn rewards, the Visa® Platinum Variable Rate Credit Card if you want to help save on interest, or the Visa® Platinum Secured Fixed Credit Card if you want to build or rebuild credit.
After your five promotional statement cycles, your Ultimate Savings balance automatically earns the competitive standard tiered APY with no action required from you. Your account stays open, your funds remain fully accessible, and you continue earning interest at the current standard rate for your balance tier.
You can open an Ultimate Savings account online in minutes, at any branch, or by calling our member service team. Once your account is funded, your {{RatePlaceholder}} Promo APY1 starts immediately for your first 5 statement cycles with no qualifications and no minimum balance to worry about.
No, they're built for different goals. Ultimate Savings offers a promotional rate with no qualifications, making it ideal for members who want a high rate automatically. Advantage Plus rewards you with a higher rate when you meet monthly qualifications, and Money Market Savings pairs tiered rates with limited check-writing access. If you want a strong rate without hoops to jump through, Ultimate Savings is the simplest choice.
No. There is no minimum opening balance and no minimum balance requirement to keep your Ultimate Savings account open or to earn the promotional rate. You can start saving with any amount and still receive the full {{RatePlaceholder}} Promo APY1 during your first five statement cycles.
You earn the {{RatePlaceholder}} Promotional APY1 automatically. There are no qualifications to meet, no direct deposit requirement, and no minimum balance needed to unlock the rate. Simply open your Ultimate Savings account and the promo rate applies for your first five statement cycles. After that, your balance transitions to the standard tiered APY.