For members who want to improve their credit or who simply have short credit histories, secured credit cards can be a good way to build a positive credit history that will make them eligible for lower rates, higher credit limits, and more term options.

Unlike most credit cards, with secured cards, your lender will require you to put a cash deposit in an account with them. In most cases, your credit limit is the amount you deposit. If you are diligent about making full payments on time, you can get your deposit back.

In time, as your credit improves or builds, you can raise your credit limit and/or qualify for an unsecured card.

Yes, you can. Use it anywhere you would use a typical credit or debit card, and accrue interest just as you would on a conventional credit card.

You will be charged a late payment or returned payment fee of up to $35.

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

If you are 11 or more days late on your payment, a typical late fee is $25.00 or the amount of the required minimum payment, whichever is less.

You will be charged a late fee of $35.00 if you are late on payments in any of the six billing cycles after your first initial late payment, or the amount of the required minimum payment, whichever is less.

For a $15 fee, we will replace your credit card.

The annual percentage rate (APR) for both remains at the same APR as for purchases.

You can use our online and mobile banking features to make on-time payments on your credit card balance. Access your Radiant CU accounts with any device, manage and view your transaction histories, review your eStatements, and more.

With our Mobile Wallet feature, you can also use your devices to make contactless transactions at any place that offers the option.

Our Card Manager app allows you to protect your accounts by restricting transactions, suspending your card, setting purchase alerts, setting travel notifications, and setting transaction limits.

Finally, we offer free online bill pay for ultimate convenience.

In addition to our credit cards, we also offer the following loans:

• Auto and recreational vehicle loans
• Personal loans
• Home loans
• Business loans

Yes, you do. Joining is quick and easy, and we even make the transition from your current financial institution as simple as possible with our Switch Kit.

Learn more about availability here.