Right now you've got a secured card, and a small loan with your Credit Union. What I would do is just chill for a few months, use your card wisely, pay in full or leave the 1-9% utilization, pay on your loan. and let your card and loan work for you. It's all about patience. You don't want to go on application spree especially if you still have a bad credit score. Just wait a few months and with good on time paying better offers should be right around the corner.