Fixed Rate Credit Cards

A secured Mastercard is a great way to start building credit for younger members, but it is also a great way to repair your credit. The secured Mastercard can be secured with funds from a share account or a CD. These funds determine the credit limit and are held as collateral against the credit limit of the card. Our Secured Mastercard has a fixed rate of 13.9% APR*.

Secured MasterCard

Rates as low as 12.5% APR*

  • No annual fees

  • No rate changes for cash advances

  • No cash advance fees

  • No late payment interest rate hikes

  • No balance transfer fees

  • Fixed rate for the life of the card

*APR=Annual Percentage Rate. Rates are subject to change without notice. Eligibility for lowest rate is subject to credit worthiness, risk score, and ability to repay. Prior Vacation and Holiday loans must be paid in full or refinanced as part of the new loan.

Before you apply: You must be a current SOTCU member or eligible to join, and applications may include a credit check.
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Lost/Stolen Visa Debit Card

If your debit card is lost or stolen report it to the credit union and Visa 1 (800) 754-4128.

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