"Similar to a Secured Loan, this VISA® credit card uses money from your deposit account as collateral, which guarantees instant approval of their low fixed rate of 9.90%. Your credit limit cannot exceed your deposit account balance, which hasn't been a problem for me because I'm only using this to raise my credit score. This is a good option for people trying to build or re-build their credit score without taking on bad debt."
American United FCU Member
Apply NowVISA® Credit Card Rates
Rates up to date as of July 28, 2026. Rates subject to change without notice.
| Fixed Rate Credit Cards1 | APR |
|---|---|
| VISA® Reward Points | As low as 9.90% fixed |
| VISA® Cash Back | As low as 12.90% fixed |
| VISA® Secured | 9.90% fixed for all credit scores |
| VISA® Business Cash Back | As low as 9.90% fixed |
APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Minimum limit is $200.00 unless part of a promotional program.
For more information visit Terms & Conditions, Current Rates, and Fee Details.
Want a Secured Loan instead?
Another excellent way to build or rebuild your credit
- Uses your savings, checking, or certificate account balance as collateral for the loan
- Loan terms up to 120 months
- Maximum loan amount is based on secured account balance
- Quick & easy approval in-branch or online