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 16.49% APR¹
  • 24-hour replacement card assistance with Mastercard Global Service
  • Extended Warranty and Price Protection
  • 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.

Learn more

 

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 provides secured convenience when making transactions.

  • 24/7 online self-service with MyCardInfo in Online Banking
  • Apple Pay digital wallet

Learn more

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 through your employer or if your immediate family Member banks with us. Ask for details. $5 Membership fee.

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 6/1/19 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 www.mastercard.us/zero-liability for details.

Guide to Benefits