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Rates starting at:


  • No annual fee2
  • Free Online Banking3
  • Free access to your FICO® Scores4

Classic Secured

Build or rebuild your credit 

with no annual fee!2 




Card Details | Security & Additional Benefits |  Interest Rates & Disclosures

Card Details

Details apply to cards opened since July 2016.

No Annual Fee

Build your credit, without the annual fee!2

Free Online Banking

Access your GECU card information through Online Banking. Pay your credit card bill, receive free e-Statements, monitor transactions, and more.3

Free Access to Your FICO® Scores

The FICO® Score we provide is the FICO® Score 8 based on Equifax data. You'll be able to view your score through the Credit Card section in Online Banking any time; however, it will only be retrieved from Equifax and updated quarterly.4 Learn more and review the FICO® Score FAQs >>


Security & Additional Benefits

EMV Chip Technology

Enjoy enhanced security and global acceptance when you use your credit card at merchants that use chip-enabled terminals to accept your payment.

Zero Liability

At GECU, you won't be held responsible for unauthorized charges you did not authorize, online or otherwise.5

Visa® Purchase Alerts

Sign-up for real-time alerts for: individual transaction amount thresholds, international transactions, or card absent transactions, such as by telephone or online orders. Learn more and enroll your card(s) >>

Digital Wallet Options

GECU credit cards are enabled for use with: Apple Pay™, Android Pay™, Samsung Pay™, MasterPass™, and Visa® Checkout. Learn more >>

Interest Rates & Disclosures

Card APR
Classic Secured As low as 14.74%


+Classic Secured Card Details & Disclosures.
1Classic Secured Card: Your Annual Percentage Rate (APR) will be 14.74% to 18.00% APR, based on your creditworthiness. The APR may vary (increase or decrease) on a quarterly basis and is determined by adding our margin to the Prime Rate as published in The Wall Street Journal effective for the first day of January, April, July, and October of every year. Full terms and details of this program will be included with your card and can also be found in our Classic Secured Card Terms & Conditions.
2Credit Card Fees: Regular APR applies; foreign transaction fee is 1.5% of each transaction in U.S. dollars. There is a late charge of $25.00 or the minimum payment amount (whichever is lesser) if a minimum payment is not made within 55 days after the date of a monthly statement. 
3Online Banking: We provide Online Banking and Mobile Banking for free; however, Mobile/Internet data charges may apply, as well as text message charges for text commands and e-Alerts. Please contact your service provider for details.
4FICO® Scores: FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. Primary GECU credit card accountholders will receive their FICO® Score 8 based on Equifax Data updated on a quarterly basis, when available.
5Zero Liability: If you suspect there has been unauthorized use of your GECU credit card, promptly contact Cardholder Services at (800) 542-7093. You will not be liable for use that occurs after you notify General Electric Credit Union and/or Cardholder Services of the loss, theft, or possible unauthorized use. See any Credit Card Terms & Conditions for complete details.


PDF Disclosure

General Electric Company is not associated or affiliated with General Electric Credit Union (GECU) nor does it endorse, sponsor, or otherwise approve of the services of GECU.