Credit Card Center Advertiser Disclosure

Frequent Contributor
Posts: 315
Registered: ‎02-21-2013
0 Kudos

is it easy to get a secured CC through CU?

I'm joining my local credit union today... I've been working on my credit & paying off my debts, my scores when I first started on 2/18/2013 were all in the low-to-mid 400's... now they are all in the lower 500's. 

I'd really like to get a secured CC to help rebuild... but w/those scores, will it be too hard even through a credit union?


I guess I want to save myself the embarassment.... should I wait a bit more?

Posts: 80
Registered: ‎11-27-2012
0 Kudos

Re: is it easy to get a secured CC through CU?

Probably depends on the credit union, but I know mine would approve secured in that range. Don't know if you're eligible but USAA gave me two secured cards when I started rebuilding. My score at the time was 479. Maybe you could call the credit union first and ask what they look for to approve a secured card? I know some banks have specific guidelines for secured cards such as not approving if someone has a judgment.

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

Re: is it easy to get a secured CC through CU?

Are you moving checking and savings accounts there and becoming regular member?   If so, I would wait a few months and establish yourself.

Regular Contributor
Posts: 156
Registered: ‎11-14-2012
0 Kudos

Re: is it easy to get a secured CC through CU?

My CU had no score requirements at all for secured cards. As long as you had a checking account and the minimum deposit of $500 for the secured account, they'd set you up. If I were you, I'd go to the branch and ask to speak to their credit/loan processor and just ask what their policy is. I'm with Marriott Employees FCU and have found that the tellers often times are not fully apprised on the requirements to obtain a card.


Good luck!

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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. 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.