Woman checks out with her credit card

Secured Credit Card

Low risk. High reward.

Use the funds already in your account to secure a line of credit. This way, you can buy what you need, splurge on what you want and rest easy knowing that you have a low-risk line of credit ready if you need it.

The first step to good credit

Whether you’re recovering your credit score or you’re starting out from scratch, Addition Financial’s Secured Credit Card can help you build your credit without crazy high APR, fees and worries. The card is secured by funds already in your account. That means it doesn’t carry the same risk as a completely unsecured line of credit.

Low Rate Balance Transfer

You don’t have to choose between reducing your credit card debt and using your credit card for everyday purchases. Transfer your existing balances from another card to an Addition Financial credit card at 4.99% APR.

Safely build your credit

Build a credit score without the risk that comes with and unsecured loan. With no annual fee, cash advance fee or balance transfer fee, our card is designed to be low risk. It's perfect for someone trying to build up or establish their credit score.

  • Credit limit ranging from $500-$30,000
  • 100% of total credit limit must be secured in your share account
  • Funds can be secured in a savings account or money market
  • No annual fee
  • No cash advance fee
  • No balance transfer fee
  • Protects yourself against fraud with VISA® Zero Liability*
*The VISA Zero Liability policy does not apply to ATM transactions, PIN transactions not processed by VISA, or certain commercial card transactions. Notify us promptly of any unauthorized use.

The most secure way to pay

All new Addition Financial credit cards come with the latest card technology. Tap to pay lets you make transactions just by tapping your card on any reader with a tap to pay symbol. It’s faster and more secure than using a chip or swiping your card. With an Addition Financial card, checkout is as simple as look, tap and pay.

Man kissing baby's cheek.

Take the first step to good credit today

  1. 1
    Review eligibility

    Anyone who lives, works, worships, or attends school in 22 select counties may join. View our "Become a Member" page for full eligibility.

  2. 2
    Complete loan application

    When you’re ready, complete the online application or visit your branch to apply in person.

  3. 3
    Get your credit card

    Receive your card and start making your everyday purchases.

Get your learn on

Think of us as your personal financial guru, partner and coach for wherever life’s journey takes you. To help you live your best life, we offer money management tools, financial literacy seminars and expert advice that’s easy to understand. Start making every moment (and every penny) count.