What Can DCU Save You?

DCU Visa® Platinum Secured Credit Card

A great way to establish or improve your credit history




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DCU Visa Platinum Credit Card

Learn more about Apple Pay             Learn more about Visa Checkout

DCU Visa Platinum Secured Credit Card Features

  • Secured card rates well below the national average
  • Borrow against your DCU savings account
  • No Annual Fee*
  • No Fees or Higher Rates for Cash Advances and Balance Transfers
  • Compatible with Apple Pay™
  • Insurance, car rental, travel, and warranty benefits
  • Optional Overdraft Protection On Your DCU Checking
  • Buy online easily and safely with Visa Checkout

Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

*APR=Annual Percentage Rate. APR as of is as low as 11.50%. Your APR will be based on your personal credit history. Rates are variable, tied to the Prime Rate, and can change monthly. 2% foreign transaction fee applies. For more information refer to DCU's VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement.




"Rebuilding Credit"

Open quote  I applied for this card because I needed to help my credit score. It is an excellent way to learn how to use a credit card. Close quote

— Lady, Worcester, MA

DCU Visa Platinum Secured Credit Card Details

Unlike most secured credit cards on the market, DCU's Visa Platinum Secured Credit Card is a great value. You get all of the benefits of DCU's Visa Platinum Credit Card listed below as well as dividends on the savings you borrow against. If you are looking to establish or improve your credit history, this program is a great way to get started.

DCU Visa Platinum Secured Credit Card Benefits

  • Low Rates – Save over other secured credit card rates.
  • No Annual Fee – Save up to $45 over other credit cards.*
  • No Fee or Higher Rate for Cash Advances – Cash advances are free! Get advances 24-hours a day from any ATM displaying the Visa logo or by calling DCU or through Online Banking. Easily transfer money to any of your DCU Savings or Checking accounts or have a check mailed to you. Plus, we offer cash advances up to $200 per day at participating hotels.**
  • No Fee or Higher Rate for Balance Transfers – Balance transfers from other credit cards to your DCU Visa Platinum Credit Card are free. You can also make transfers through DCU Online Banking, Mobile Banking, ATMs, Easy Touch Telephone Teller System, the Information Center, or at any DCU branch.
  • Compatible with Apple Pay – Enjoy all the benefits of your DCU Visa Platinum Secured Card using Apple Pay on iPhone 6. It’s the easy, secure, and private way to pay with a simple touch. Learn More
  • Free Auto Rental Collision Damage Waiver – You're covered for collision damage or theft on auto rentals.
  • Optional Overdraft Protection On Your DCU Checking – Overdrafts are automatically charged to your DCU Visa Platinum Credit Card up to your credit limit when you choose this option.
  • Extensive Visa Travel Services – Receive $500,000 in free Travel Insurance Coverage when you charge tickets on any carrier such as airline, train, ship, or bus. Plus, you're assured your room remains available if you arrive late at participating hotels, motels, and resorts.**
  • Extended Warranty On Most Purchases – Extends the warranty on most purchases made with your DCU Visa Platinum Credit Card.**
  • Buy online easily and safely with Visa CheckoutLearn more

*APR=Annual Percentage Rate. APR as of is as low as 11.50%. Your APR will be based on your personal credit history. Rates are variable, tied to the Prime Rate, and can change monthly. 2% foreign transaction fee applies. For more information refer to DCU's VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement.

Great for Students, Too

The DCU Visa Platinum is the perfect card for college students. Online access is easy when you're away from home through Online Banking and it is safer than cash.

If your own financial situation doesn't allow you to qualify for a card on your own (based on your credit history, income, and expenses), you'll need to have an adult co-borrower who does qualify – most often a parent. That offers four advantages:

  1. It allows you to begin building your own credit history
  2. May qualify you for a higher credit limit
  3. It can result in a lower interest rate since your rate will be determined by the best personal credit history among your co-borrowers
  4. Your co-borrowers can access the account through Online Banking and can easily help make payments by online transfer from their own DCU accounts

Visa Additional Federal Disclosure Table


Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances:
11.50%
After that, your APR will vary with the market based on the Prime Rate.*
Penalty APR (Delinquency) and When it Applies:
18.00%

This APR may be applied to your account if you make a late payment.

How Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive payments (minimum or higher) when due, beginning with the first payment due following the effective date of the change.
How to Avoid Paying Interest on Purchases:
Your due date is approximately 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge:
None
Minimum Payment Due:
This figure will be reflected on your statements and will be either: (a) 1.75% of your Ending Statement Balance, rounded to the nearest dollar, or $25, whichever is greater, or (b) your Payoff Amount if less than $25.
For Credit Card Tips from the
Federal Reserve Board:
To learn more about factors to consider when applying for or using a credit card, visit the web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees
Annual Fee:
None
Minimum Finance Charges
Balance Transfer:
Cash Advance:
Foreign Currency Transaction:
 
None
None
Conversion Fee: 2%. Conveyance in US Funds Fee (no conversion necessary) 0.80%.
Penalty Fees
Late Payment:
Overlimit:
 
Up to $35 per occurrence
None

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

* The Prime Rate used to determine your APR is the Prime Rate as published in the Wall Street Journal at the end of the month immediately preceding the start of each billing cycle.




DCU Visa Platinum Secured 4.2 5 41 41
fund your card Everything is pretty straight forward, and the customer service will try, and ask their supervisor, anything to try and help you. February 14, 2015
Great Start!! I just recently became a member with DCU and opened a saving account with them and a secured Visa. It was a true pleasure dealing with them, the reps were so helpful. Thanks DCU for this opportunity. January 24, 2015
DCU Secured Visa is a great card The application process for the card was easy and straightforward, and It has the best features of any secured card that I investigated. Since it links to my savings and checking accounts I can keep track of all my banking transactions in one place. January 3, 2015
GREAT PRODUCT TO ENHANCE CREDIT IM SO APPRECIATIVE OF THE OPPORTUNITY DCU HAS GIVEN ME WITH MY NEW DCU VISA SECURED.I NEED POSITIVE CREDIT AND BY DCU APPROVING ME FOR THE DCU VISA SECURED IM GIVING THE CHANCE TO BUILD MY CREDIT SCORE.NOW IT'S UP TO BE TO MAKE TIMELY PAYMENTS AND BE CONSISTENT.NOW MY GOAL IS TO MAKE TIMELY PAYMENTS SO I CAN MOVE UP TO UNSECURED VISA.DCU HAS GIVEN ME THE CHANCE TO BUILD MY CREDIT IN THE 4 MONTHS I'VE BEEN A MEMBER.THANKS DCU !!!! September 9, 2014
DCU Visa The people were nice, the process was easy and my the APR is the best out there! Iwould suggest DCU to everyone! August 16, 2014
On the road to recovery I needed to rebuild my credit, the interest rates and annual fees by the competitors out here were down right ridiculous. I did my homework and found DCU. The low 11.50% APR, no annual fee, with fast and friendly customer service makes this card a PLUS. DCU reports to all three credit bureaus monthly. My DCU account provides me with an updated Equifax score every month. My credit score increased by 36 points within two months of opening this account. If you need to rebuild your credit, start here. May 9, 2014
Great Start!! This Card is a great start to building or fixing your credit!! Lower interest rate then most!! You decide your credit limit!! So happy I chose it!! DCU makes it so easy to pay on time!! Highly highly recommended!! A++++!! May 5, 2014
very helpful Very helpful with explaining how to better my credit and helped me resolve an issue on my credit report and we took care of that right then and there. February 22, 2014
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(80 Questions : 90 Answers)

Product Q&A

Ask your questions. Share your answers.

 
 
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State: Florida
Age: 35-44
DCU Member for: Haven't joined yet
1 year, 8 months ago
Member avatar
by
Jack
Sarasota
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Answer: 
Yes an hard credit inquiry will be performed and it will show on your Equifax credit report.
State: New York
DCU Member for: Less than 1 year
1 year, 1 month ago
Member avatar
by
Joe Isuzu
Brooklyn
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Answer: 
We would perform a credit check for a Secure Visa Card.
State: Massachusetts
 
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1 year, 8 months ago
Member avatar
by
DCU Staff
Marlborough
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Some accounts report as a secured card which I read could impact my credit negatively. Does the DCU secured card report as secured?
State: Maine
Age: 25-34
DCU Member for: Haven't joined yet
1 year, 5 months ago
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by
RebuildOnTheRise
Columbia
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Answer: 
This account appeared on my credit report as an open credit card account. In fact my credit score increased within 60 days by 36 points after I opened this account.

If you are looking to rebuild a positive credit history this is a great start.
State: New York
Age: 45-54
DCU Member for: Less than 1 year
1 year, 1 month ago
Member avatar
by
Joe Isuzu
Brooklyn
+1point
1out of 1found this answer helpful.
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Answer: 
A Secured Credit Line will report as such to the Credit Bureaus. We are required to report information accurately.
State: Massachusetts
 
Products related to my answer
 
1 year, 5 months ago
Member avatar
by
DCU Staff
Marlborough
+2points
2out of 2found this answer helpful.
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2 answers

Out of State

I live in Pennsylvania and don't have an account with you. Am I able to open an account, fund it, and then apply for a secured card all without being near a branch?
State: Pennsylvania
Age: 18-24
DCU Member for: Haven't joined yet
1 year, 3 months ago
Member avatar
by
mh1361
Harrisburg
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Answer: 
I live in Brooklyn, NY and I applied for an secured card from my living room. I was able to write a check to open an account and fund the secured amount requested for my secured Visa card from my lPad. It was fast efficient and I received approval in about 48 hours.
State: New York
Age: 45-54
DCU Member for: Less than 1 year
1 year, 1 month ago
Member avatar
by
Joe Isuzu
Brooklyn
+1point
1out of 1found this answer helpful.
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Answer: 
Yes! You may apply for membership online at www.dcu.org by selecting the Personal Banking tab or over the phone with a Live Agent by calling 800.328.8797.

Applying for a loan is just as easy! This may also be done online at www.dcu.org or with a Live Loan Agent at 800.328.8797 option 3.
State: Massachusetts
1 year, 3 months ago
Member avatar
by
DCU Staff
Marlborough
+1point
1out of 1found this answer helpful.
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which credit agencies to you report to,please? and what is your limit on a secured card? and would I send a check for the security or have it debited from a bank account? thank you
State: New York
Age: 55-65
DCU Member for: Haven't joined yet
1 year, 2 months ago
Member avatar
by
mizliz1011
katonah
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Answer: 
Yes DCU reports to Equifax, Transuion, and Experian. The limit on your card is based on your credit history. Yes, DCU accepted a check for the payment of my security deposit. If you are looking to rebuild credit this card is an excellent start.
State: New York
Age: 45-54
DCU Member for: Less than 1 year
1 year, 1 month ago
Member avatar
by
Joe Isuzu
Brooklyn
0points
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Answer: 
DCU reports to all 3 major credit bureaus, Equifax, Experian, and Trans Union. The limit varies on the Secured Credit Card based on each members individual request/eligibility. You can send in a check or have the funds transferred from your account.
State: Massachusetts
 
Products related to my answer
 
1 year, 2 months ago
Member avatar
by
DCU Staff
Marlborough
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State: California
Age: 25-34
DCU Member for: Haven't joined yet
1 year, 2 months ago
Member avatar
by
Jazz
Cypress
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Answer: 
Yes I applied for my account online and I live in Brooklyn, New York. Yes , you can pay your secured funds with check, I did.
State: New York
Age: 45-54
DCU Member for: Less than 1 year
1 year, 1 month ago
Member avatar
by
Joe Isuzu
Brooklyn
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Answer: 
There are no fees assessed for closing a line of credit with DCU. How your credit history will be affected by closing out a Secured Visa line of credit varies.
State: Massachusetts
1 year, 2 months ago
Member avatar
by
DCU Staff
Marlborough
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"Fast Service"

Open quoteApplied for this credit card by phone. The person was very nice and interested - approved app! Needed card before my trip to Europe. DCU sent it
FedEx. Quite impressed! Close quote

— MSM, Chico, CA

Easy Ways To Apply Today

Before you apply, please refer to the Details tab for important information.

  1. Apply Online – Most members get an answer on their application while still online.
  2. Apply by Phone – Apply 24 hours a day by phone 508.263.6700 or 800.328.8797, (select 3).
  3. Any DCU Branch – Visit your local branch to open a Visa Platinum Secured Card today.

We're Here To Help!

If you have any questions, please speak with a Member Service Representative at your nearest DCU branch or call our Information Center at 800.328.8797, weekdays from 8:00 a.m. to 9:00 p.m., and Saturdays 9:00 a.m. to 3:00 p.m., Eastern time.

"Helped Me Grow"

Open quoteDCU secured visa card is very useful and I needed one to build credit. DCU's card has great features and excellent service.Close quote

— Rajan, Netwark, DI

Related Links

  • StreetWise Guide to Credit and Credit Management – Pertinent information on how to obtain and maintain a good credit rating, credit scoring information, and much more.
  • Calculation of Finance Charges – Learn exactly how finance charges or interest on DCU loan accounts are calculated.
  • Financial Wellness and Recovery – Learn what DCU can do for you if you are now or think you may soon be experiencing a financial setback
  • DCU Visa Gift Card – The DCU Visa Gift Card is always the perfect gift for any occasion.
  • Apple Pay – Enjoy all the benefits of your DCU Debit and Credit cards using Apple Pay on iPhone 6. It’s the easy, secure, and private way to pay with a simple touch.

For Your Protection

Loan Disclosures

Digital Federal Credit Union

220 Donald Lynch Boulevard

PO Box 9130

Marlborough, MA 01752-9130

508.263.6700  |  800.328.8797

ABA Routing Number: 211391825

    

Federally Insured by NCUA

Equal Housing Opportunity

© 2015 Digital Federal Credit Union