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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®

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 Android Pay
  • Personalize your card with your own custom image (Coming soon)

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

Average Member Rating 4.6

Read all 103 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 4.6 out of 5 by 102.
Rated 2 out of 5 by from No customer service... NEVER IN 18 YEARS DID THEY OFFER ME ANY CREDIT OR PERKS from this Bank!! Applied for loan online and received a service call the next day to validate only my information. They gave me no detailed information how much much they would take out of my savings towards the card, as I seen it pending ony own or gave no instructions on how the card works. (Payment dates, intrest rates, late fee rates, or if i was paperless or would receive a bill)This is very poor customer service!
Date published: 2016-10-16
Rated 5 out of 5 by from Security I've used the card twice, and only for important items, such as my tax service, and for a new graphics mouse to help me reach my goal of becoming a graphics designer. I lost everything during the recession, including my credit ratings. None of it helped my pride either. I'm attempting to turn things around and reach my new goals with a better plan, and starting with this secured Visa is one of the first steps. Thank you.
Date published: 2016-05-02
Rated 4 out of 5 by from Visa Secured Credit Card I recently received my very first Secured Credit Card. It's a great card to have for 1st time Credit Cardholders. I gave it a 4 star, because it can be confusing on the Mobile app to tell you your outstanding balance for the credit card. But overall, this a great card to have in case of an emergency. I also might add that customer service takes pride into assisting you however possible, regarding Credit Card Inquiries.
Date published: 2015-10-21
Rated 2 out of 5 by from Credit Cards The purpose of obtaining credit cards was accomplished but many details were left unknown and we had to find out afterward. Andrea could have been volunteering more information instead of being defensive with the statement of "I answered your questions. You did not ask me that." I didn't know to ask that. Also it took a personal visit to get the answers after calling all week with no response.
Date published: 2016-08-27
Rated 5 out of 5 by from Great to help build credit In preparing to buy a home I was informed that I had to build my credit. This starter card is great to get started and holding you accountable because it is your own money. It also reports to credit bureau and raises your credit score as long as it is used responsibly. The employees in the bank was very informative on how to use it to help build up my score. Very Thankful
Date published: 2016-05-02
Rated 3 out of 5 by from Good Starter Credit Card I wanted to build my credit and I was told that this card is the best option. But the credit limit is woefully low that I hit it much too quickly. It's recommended that you only use 30% of your limit. For the income I make that is simply not possible without using it once then sticking to a debit card.
Date published: 2015-08-12
Rated 5 out of 5 by from Secure & easy I've decided two months ago that it's time to work more on my credit. I've never had a credit card before so this secure visa sounded like a good plan. I'm sure not to spend over my limit and I only pay for what I know I can repay or else it's my money that's really gone. I'm enjoying it so far
Date published: 2016-04-21
Rated 5 out of 5 by from Very Pleased I was so pleased when one of your employees in the Winter Garden branch recommended this product. I am on my way to rebuilding my credit with the help of Fairwinds. I had been a member years ago and introduced by daughter to Fairwinds and she has been with you for years and has brought me back.
Date published: 2015-07-16
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