An option available under our Gold Package, a Share-Secured Visa is a great way to establish or reestablish your credit history. It's simple and easy to open an account - in fact, for credit limits less than $1,000, you don't even need to credit qualify. Simply deposit an amount equal to the credit limit you want into a Share Savings account. You'll earn interest on the funds as long as they are pledged as security for your Secured Visa. Apply today and start enjoying the convenience and safety of an SchoolsFirst FCU Secured Visa.

• Credit limits up to $5,000
• No annual, cash advance, or balance transfer fees
• 25-day grace period on interest for new purchases*
• Online and automatic payments available
• Security and activation programs to help detect fraud, especially for Internet or telephone transactions
• Worldwide acceptance at over 14,000,000 merchant locations
• Access to more than 562,000 automatic teller and cash machines
• 24-hour access to online banking and TellerPhone

Share-Secured Visa	Annual Percentage Rate (APR)	Loan Amount
No annual fee	13.90%	Up to $5,000
Rate and program valid as of 9/2/2010 and subject to change. Credit qualification required on limits greater than $1,000.