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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 4.7

Read all 151 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 150.
Rated 5 out of 5 by from Excellent card I had credit cards in the past and had gotten into deep with them owing so much, i wanted a credit card and I had a secured card before past and worked out nicely so I gave it another try so far no regrets
Date published: 2018-06-09
Rated 5 out of 5 by from Highly recommend! I have had my Secured Visa for about a month now. Before I applied for it I was a little unsure about how it all works, but the Fairwinds member assisting me (shoutout to Jennifer at the Orange City, Fl Branch) was super helpful and informative. By the time I left that day, I felt confident and ready! I received my card in the mail within a week and immediately started using it. Highly recommend! Thank you Fairwinds!
Date published: 2018-06-09
Rated 5 out of 5 by from My Review for Secured Visa I was approved for a Fairwinds Secured Visa card even though my credit rating was not the best. As a matter of fact, I had s credit score of zero - due to the fact I had paid everything off and hadn't used credit in a long time. In about a month after receiving the card, my credit score shot up to 693. I was ecstatic! Now- I'm trying hard to do what it takes to keep my score moving upward. Thank you Fairwinds for helping me get "back on track!"
Date published: 2018-05-08
Rated 5 out of 5 by from Rewarding Experience Feeling I've been wanting to do this long time ago, because I've been a member for quite some time now, but, some kind of 'hardship' always came up. Now, I'm very excited, pleased and proud to call myself a Fairwinds Member.
Date published: 2018-04-15
Rated 4 out of 5 by from My gratefulness I became a member of FAIRWINDS a months ago and I am happy to use my card.
Date published: 2018-04-11
Rated 5 out of 5 by from Feel Valued-Wonderful Service As a new Member, I was given all the information I required. However, when I go to use a new service, I always feel I better ask. The representatives are always pleasant and helpful and make me feel valued.
Date published: 2018-04-09
Rated 5 out of 5 by from Great card, Great Servies I have had great experience as a member at FAIRWINDS, so I felt comfortable getting a secured Credit card also
Date published: 2018-03-28
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
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