If you do not have perfect credit, or are just starting out in life and have not established any credit, the First Tech Credit Union Visa Platinum Secured Card may be the right choice for you. Secured credit cards are funded by your initial deposit, not by the issuing bank. But if you are looking for a card and have not had any success with unsecured credit card companies, this may be your best route.
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Making Your Initial Deposit on a First Tech Visa Secured Card
Getting a First Tech Credit Union (FTCU) Visa Secured Card is relatively easy, but you do have to send in a substantial amount of money to open the card. The amount required by FTCU is between $500 and $2500, and whatever amount you send in is considered your credit card limit.
Remember that you will be borrowing your own money when you use credit cards that are secured, and paying any interest and fees to First Tech Credit Union. While there is no annual fee for the FTCU Visa Platinum Secured Card, you may consider opening a bank account with your initial deposit and using a debit or check card instead. However, this option will not improve your credit.
Other Credit Cards at First Tech Credit Union
FTCU offers a total of four credit cards – enough to meet the needs of most consumers. Besides the Visa Platinum Secured, there is a Visa Platinum CashBack credit card, a Visa Platinum Points Rewards credit card, and a Visa Platinum credit card.
Addition, FTCU offers many different banking products and services, including checking and savings accounts, certificates of deposit (CDs), personal loans, auto loans, mortgages and more.
To learn more about the cards and available terms, contact a First Tech Credit Union branch or visit the FTCU website online.
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