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Build a better financial future.

Don’t let bad credit or the lack of credit hold you back. Get on track with our Secured Visa credit card and start building your credit today!

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Secured Visa® Credit Card

APR will be 18.00%, based on your creditworthiness.

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  • No minimum credit score needed for approval
  • Secured with your FAIRWINDS account deposits
  • Important account information is shared with three major credit bureaus to help you build credit history
  • Mobile wallet solutions for Apple Pay, Samsung Pay, and Google Pay
  • Personalize your card with your own custom image for $15

See Card Agreement and Disclosures and Pricing and Terms for details.

Average Member Rating 4.6

Read all 137 reviews

How our Secured Visa works

The credit card is secured by deposits in your FAIRWINDS account. Example, we would place a hold on $500 in your FAIRWINDS account and issue you a credit card with a $500 limit. You will not be able to access these funds until you either payoff and close your Secured Visa credit card or be approved for one of our other credit cards.

Improving your credit with a FAIRWINDS Visa Card

Just having our Secured Visa credit card isn’t enough. Using it and paying it down or off with on time payments will build your credit history. You keep this up and your credit score will grow.

Check out our Building a Credit Reputation article to learn more.

Additional FAIRWINDS Visa Card features include...

FAIRWINDS Member Reviews

Secured Visa® is rated 4.7 out of 5 by 136.
Rated 5 out of 5 by from Awesome product Ashley at Mount Dora FL recommended the secured card to help rebuild my credit. I applied at the Waterford lakes office beca use I had moved. The representative was very friendly and answered all my questions. The application process was very easy. The payment process is as easy as transferring from my checking. This is a great product and I have recommended it to several friends.
Date published: 2018-02-28
Rated 5 out of 5 by from Secured credit card: Awesome I applied for a secured card and was approved. My credit is poor and I am excited that I was approved for a secured card to help improve my credit. The application was simple and the follow up call from a representative was quick and easy as well. The card is reporting to all 3 bureaus as stated.
Date published: 2018-02-18
Rated 5 out of 5 by from Secured credit card I have been a member of Fairwinds for many years. I am happy that I did
Date published: 2018-02-12
Rated 5 out of 5 by from Easy to apply! I think it’s a great product, and it was quick and easy to apply. I look forward to using it to build my “thin credit file”.
Date published: 2018-02-08
Rated 5 out of 5 by from Great I became a member a few months ago and the service been awesome
Date published: 2018-01-19
Rated 5 out of 5 by from Great tool to build credit I was looking to rebuild my credit and this product is helping me to do it.
Date published: 2018-01-17
Rated 5 out of 5 by from Excellent customer service I became a member about two months ago and the service is Ike no other !
Date published: 2018-01-07
Rated 5 out of 5 by from First credit card in my life! I became a customer recently had a misunderstanding with the credit card and the teller had great customer service. Problem was resolved and I am a happy camper!
Date published: 2018-01-01
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