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That $1K should have been locked up when you deposited it towards the secured credit card. NFCU usually holds that money in your share savings account and with responsible use will eventually "graduate" you to unsecure and release those funds back to you...at which point, you can then transfer out to wherever. Have you had the card long enough now to be graduated to an unsecure card? At the bottomw of your Account Summary page do you show a nRewards Visa under "Loans and Credit"?