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Pearl Hawaii Credit Union
Android GET - On the App Store
Pearl Hawaii Credit Union
Apple GET - On the App Store

PHFCU Secured MasterCard

We believe in second chances

Get your credit back on track—or build it from the ground up.

  • How it all works

    With 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

    Credit Cards

    Cards** 6 Month Promotional APR* TypeMin Max APR* AS LOW AS
    PLATINUM 2.022%Variable$500 $20,000 6.24% + Prime apply request increase
    REWARDS PLATINUM2.022%Variable$500$20,000 8.24% + Prime apply request increase
    CASH BACK PLATINUM2.022%Fixed$500$30,00018.00% 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.

Easy way to grow credit

If you had some hiccups in the past, our Secured Classic Card is the easiest way to rebuild.