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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 Visa Card

We believe in second chances

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

  • How it all works

    With this Visa 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

    Loan Type** Description Minimum Amount Max Amount APR* AS LOW AS
    PHFCU Classic VISA Credit Card Fixed Rate $500.00 $15,000.00 13.90% apply request increase
    PHFCU Visa Secured Credit Card Secured with Savings Account $500.00 $5,000.00 13.90% apply request increase
    PHFCU Platinum Rewards Variable Rate $500.00 $15,000.00 6.99% + Prime 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. **See Visa Credit Card Disclosures for additional information.

  • To change the PIN on your credit card, please call 1-866-820-3015.
    If your card is lost or stolen, please call  808-73-PHFCU (737-4328) during business hours or 1-866-820-3015 after business hours to report the missing card.
    Once you receive your card, you can activate it by calling 866-883-8472.
    Yes! It's 866-820-3015.

Easy way to grow credit

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