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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.


  • 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 174 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 174.
Rated 5 out of 5 by from Getting back on track Never a bad a experience when I visit or speak with a Fairwinds team members
Date published: 2019-08-30
Rated 5 out of 5 by from Monster Come Back! Had a bit of a rough time obtaining my secured credit card, but Fairwinds employees took care of me and I am rolling along nicely now!
Date published: 2019-07-27
Rated 5 out of 5 by from Easiest process ever! The process of getting this secured card was super easy! I went in to apply and in less than 20 minutes I was on my way with an approval!
Date published: 2019-06-13
Rated 1 out of 5 by from Horrible For the last month I’ve been trying to get assistance with my account .. now planning to close account due to lack of assistance
Date published: 2019-04-25
Rated 5 out of 5 by from A perfect experience I used my card for the first time without a problem
Date published: 2019-04-08
Rated 4 out of 5 by from Credit card I am glad I got the credit card to build up my credit rating.
Date published: 2019-03-16
Rated 5 out of 5 by from Customer centered business. I became a member of Fairwinds about 3 months ago and each time I've had to go in to the Credit Union in Mount Dora Florida whatever I needed was taken care of promptly and in totality. They have a very high level of customer service and are very helpful and knowledgeable in their fields.
Date published: 2019-01-26
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
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