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Putting You in Control

Secured credit cards make building credit easy–with responsible spending and on time bill payments each month, you’re on the road to establishing your credit the smart way. To get started, just provide a security deposit when applying to secure your credit limit.


How it Works

The credit limit will equal the security deposit you place when you open your card. When you make everyday purchases with your card, your activity is reported to the major credit bureau to establish history. After 12 months of responsible card use, your account may be reviewed and, based on your overall credit history, you may qualify to have your security deposit returned and your credit card to be upgraded to a Mastercard Platinum Rewards.1


Exclusive Benefits

Enjoy the Mastercard features that come standard with your card.

  • No annual fee
  • Competitive low rate of 17.99% APR¹
  • 24-hour replacement card assistance with Mastercard Global Service
  • Enhanced card security and digital services

View the Guide to Benefits
View Rates
Terms, and Conditions
Learn more


Safe and Secure

Technology is advancing and so are our safety measures to help keep your purchases and your personal information protected. From traveling abroad to online shopping, you can use your credit card with confidence knowing you’re covered.

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Digital Convenience

We make it easier to manage your account anytime, and from anywhere with our online account management. Plus, with the touch of a button, Apple Pay®, Google Pay™, Samsung Pay®, and Masterpass provide secured convenience when making transactions.

  • 24/7 online self-service with MyCardInfo in Digital Banking
  • Apple Pay, Google Pay, and Samsung Pay digital wallets

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Platinum Select Mastercard® & Your Digital Wallet

Image of Orange County's Credit Union Platinum Select Credit Card


Make payments easily and securely using your iPhone®, iPad®, or Apple Watch®.


Add your card to your Samsung® device and pay with just a tap.


Use Google Pay™ for faster checkout with compatible devices.

Platinum Select Mastercard® is Ready for Your Digital Wallet

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Start Here

Qualification is based on assessment of individual creditworthiness and our underwriting standards. Not all will qualify. Membership is required to obtain a credit card. Membership in Orange County's Credit Union is available to anyone who lives or works in Orange, Los Angeles, Riverside, or San Bernardino Counties. Don't live or work in our area? You may also qualify if your immediate family Member banks with us. Ask us for details. Membership fee is $5.

Immediate Family Includes:
Adoptive Relationships

Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated, used pursuant to a license. Apple Pay is a trademark of Apple Inc.

¹APR is Annual Percentage Rate. Variable rate as of 4/1/20 will vary with the market based on Prime Rate. Programs, rates, terms, and conditions subject to change after account opening and without notice. For a more complete list of terms and conditions, contact us.

²Certain restrictions apply. See for details.

Guide to Benefits

Apple Pay is a registered trademark of Apple Inc. Google Pay is a trademark of Google Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.