PHFCU Secured MasterCard
We believe in second chances
Get your credit back on track—or build it from the ground up.
How it all worksWith this Credit Card, you'll make a cash deposit to your account first, which determines your credit limit. For example, if you deposit $500, you can borrow up to $500. It might seem like you're just moving the money around, but really it's a no-risk way to build your credit score fast. Apply and get started.
- Low, fixed rates
- No annual fees
- No application fees
Rates & Calculator
Cards** 6 Month Promotional APR* Type Min Max APR* AS LOW AS PLATINUM 2.022% Variable $500 $20,000 6.24% + Prime apply request increase REWARDS PLATINUM 2.022% Variable $500 $20,000 8.24% + Prime apply request increase CASH BACK PLATINUM 2.022% Fixed $500 $30,000 18.00% apply request increase SECURED - Fixed $500 $10,000 18.00% apply request increase
*Annual Percentage Rate (APR). The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. The borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six months following the opening of your account. Any existing balances on Pearl Hawaii Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers. APR for Balance Transfers - 0.00% Introductory APR for a period of six billing cycles. After the 6 months promotional period, a card will revert to the approved Tier-Rate. Secured Credit Cards do not qualify for this offer.
**See Visa Credit Card Disclosures for additional information.