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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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Get it!

Secured Visa® Credit Card

APR will be 18.00%, based on your creditworthiness.

Features

  • 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 165 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...

Enjoy an extra layer of protection with e-Alerts! Receive up-to-date, customizable alerts via email or text message on all the latest happenings with your credit card account including transactions and purchases, payment reminders, and credit limit notifications.
This program offers free additional protection for vehicle rentals made with your Visa card. ARCDW reimburses you for damage due to collision or theft up to the actual cash value of most rental vehicles.
Auto Rental Collision Damage Waiver (ARCDW) Program Details (PDF)
With our online self-service tools, you can transfer balances, request a replacement card, and dispute a transaction.
Roadside Dispatch is a pay-per-use roadside assistance program provided expressly for Visa cardholders. The program provides you with security and convenience wherever your travels take you. No membership required or pre-enrollment is required. No annual dues. No limit on usage.
Roadside Dispatch Details (PDF)
Your peace of mind and protection are paramount to us. Visa’s Zero Liability policy is our guarantee that you won’t be held responsible for fraudulent charges made with your card or account information.
Zero Liability Details (PDF)

FAIRWINDS Member Reviews

Secured Visa® Credit Card is rated 4.7 out of 5 by 165.
Rated 5 out of 5 by from secured card shanice was the best ive ever dealt with getting a secured credit card
Date published: 2018-12-01
Rated 4 out of 5 by from Great value! I became a member of Fairwinds about 6 months ago, so far everything has been great, whenever I go to the bank they're always happy to help
Date published: 2018-11-14
Rated 5 out of 5 by from Best choice I've been a member for 2 years. Fairwinds secured credit card is the best decision Ive made.
Date published: 2018-11-08
Rated 5 out of 5 by from Great Card...!!!!! I became a member of Fairwinds recently and after my first payment my credit increase 33 points if you are looking to fix your credit this is the best option ..!!! I love Fairwinds Great Bank...!!!!
Date published: 2018-11-08
Rated 4 out of 5 by from Making me drive an hour I called cause I’m having problems to log in online and they say they didn’t have my information so I have to drive tomorrow i change all my plans because of this.
Date published: 2018-10-01
Rated 5 out of 5 by from Super service , great staf My wife ans I have been menbers for over 17 years and allways have got an excelent service and great advice and finance rates. l
Date published: 2018-09-21
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
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