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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 158 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® Credit Card is rated 4.7 out of 5 by 157.
Rated 5 out of 5 by from Best bank ever I have had FAIRWINDS for over 8 years and have love everything about it . Easy online banking, great customer services (in all branches and locations), informative and helpful.
Date published: 2018-09-14
Rated 5 out of 5 by from Quick and Easy I became a member not to long ago. I cannot complain.
Date published: 2018-07-25
Rated 5 out of 5 by from Good service Regarding the secured credit card, I was pleased to be accepted and use it.
Date published: 2018-07-19
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
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