Begin building positive credit history with a Signature FCU Credit Builder Visa.

The credit limit of this Visa Classic card is determined by how much of a deposit you make to secure the card. If you make a $500 deposit, you will have that credit limit available on your card.

Running short on cash and can’t make the initial deposit? We’ve got you covered. Signature FCU will offer you a card where we advance the balance with a $500 credit limit. As you pay down the balance, you can begin charging it. Interest will accumulate.

Visa Classic Card Disclosures

Credit Builder Visa features:

  • A minimum deposit of $500
  • Starting at 12.99% Annual Percentage Rate*
  • No annual fees, balance transfer fees, or cash advance fees
  • No foreign transaction fees
  • No minimum finance charges
  • Digital Wallet

*APR = Annual Percentage Rate. Your actual APR will be determined at the time of application and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rate quoted assumes excellent borrower credit history. Rates are set by the Board of Directors and may change without notice.

Application Center

Not a Signature FCU member? Join today! (You must be a Signature FCU member to apply for a credit card)

Join Signature FCU

Ready to apply for a Credit Builder Visa credit card? Complete the application below. (To apply for a loan online, you must be enrolled in our Online Branch or SFCU Mobile Banking app and have your Member Number)

View Credit Card Rates Apply for a Credit Builder Visa Card Credit Card Application Visa Credit Card Disclosure

Return the completed form by mail or by using our Secure Upload button, we'll take it from there.

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Verified by Visa

Shop online with confidence and help prevent unauthorized card usage with Verified by Visa. The only one using your card should be you. Verified by Visa lets you add an additional level of password protection to online transactions with participating merchants, all for no extra cost. * Simply look for the verified by Visa symbol when shopping online.

*Covers US- issued cards only. Verified by Visa is for use only at participating online merchants. Consult Signature FCU for details or visit