New Contributor
Posts: 59
Registered: ‎11-22-2010

Credit Unions - Secured Credit Card

So, I got approved for the Capital One secured card last week (in the mail) and just got membership in NavyFCU.  Will be getting their secured card once I have a deposit on file.  I'm thinking about getting a few more if possible also...


Does anyone know about the reputation of any of these CUs?  I searched around online and found that all of these CUs offer secured credit cards and based on their membership requirements I'd be able to gain access.  Please share your experience with these organizations.


Stanford FCU -

Digital FCU -

Cooperativa Latino CU -

Addison Avenue FCU -





FICO (11/22/10): EQ 531 TU 559 EX 590
Short Goal FICO: 640+ x3
Long Goal FICO: 760+ x3
Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007

Re: Credit Unions - Secured Credit Card

Digital has been talked about favorably here in the past, although it's a less common CU. Addison Avenue has been very popular.


Unfortunately, I don't know about their secured cards.


This post would probably do a lot better on the Credit Cards board. If you'd like a moderator to move it (it needs to be a mod), click on the Options button above on the right and select "Report inappropriate content." It's not inappropriate, of course, but you'll get a text box, and you can request that the thread be moved.


Nothing wrong with leaving it here, but there are a lot of regulars on the CC board who will talk your ears off give lots of helpful advice about various secured cards. :smileywink:

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Moderator Emeritus
Posts: 5,267
Registered: ‎03-18-2008

Re: Credit Unions - Secured Credit Card

And now, as if by magic, this post is now in the Credit Cards forum!
Valued Contributor
Posts: 1,603
Registered: ‎12-07-2008

Re: Credit Unions - Secured Credit Card

I have read many good things about Addison on this board when I was looking for a secured card.  My advice is to make sure whoever you pick reports to all 3 credit bureaus.  I had a secured card with a local CU and found out later they only reported to Experian.

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800

Starting Score: 648
Current Score: 736
Goal Score: 765

Take the FICO Fitness Challenge

Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010

Re: Credit Unions - Secured Credit Card

Stanford CU has some unusual terms.    There is no fee and no grace period.   It makes the perfect sock drawer card.  


FYI, I don't have one, yet.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.