If you're just getting started with credit, or need to re-establish it, this card could be the right first step.

How it works

  • Complete a credit card application and credit qualify.
  • Deposit into a dedicated savings account an amount that's equal to the credit limit you want ($500 to $5,000).
  • Use your card responsibly, for purchases just like any other credit card.
  • Always pay your bill on time with no exceptions.
  • Earn dividends on your deposit to steadily grow your savings.
  • Periodically check your credit score and report to see your progress.

Once you've built credit, you may be eligible to trade up to an unsecured card with a lower rate and higher credit limit.

What you get

  • Fixed rate at 13.90% APR.1
  • No cash advance fee, annual fee, or balance transfer fee. (SEE TERMS)
  • EMV chip-enabled technology to help protect you from fraud.
  • Apple Pay®, Google PayTM, and Samsung Pay.TM
  • Free identity theft monitoring and alerts, emergency wallet replacement, and identity theft resolution services with Mastercard ID Theft Protection.TM2
  • Enjoy access to Priceless®, an exclusive benefit for Mastercard cardholders that offers one-of-a-kind experiences and adventures.
  • Get your free credit score and customized reports from SavvyMoney.
  • 50% off your first two months of a new Standard or Premium MoviePass plan.3
  • Up to 7% off on prepaid stays on Booking.com.3
  • Complimentary HealthLock Medical Claim Monitor membership plus a free 90-day upgrade to all HealthLock services.3


Call (800) 462-8328

Monday through Friday, 7 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.



APR = Annual Percentage Rate. Subject to credit approval. SchoolsFirst FCU's credit card program features a range of variable interest rates based on a variety of factors, including the applicant's credit rating. Rates quoted are effective as of 06/19/2024 and are subject to change without notice. Foreign transaction fee: 2% of the transaction in U.S. dollars, includes internet transactions made when you are in the United States, but the merchant processes the transaction in a foreign country. See important terms, rates and fees.
  1. The APR is currently fixed and will remain fixed for a minimum of one-year after account opening. The APR is subject to change thereafter.
  2. To bring you this benefit, Mastercard has partnered with Generali, a global leader in identity protection for over 15 years.
  3. Certain terms, conditions and exclusions apply. Please visit Mastercard to get full details.

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