Classic Secured  |  As low as 14.74%APR1

Build or rebuild your credit.

The perfect choice for those with little or no credit or want to start rebuilding a good credit history. 

Secured Credit Card Cincinnati OH

Card Details |  Benefits  |  Convenience  |  Interest Rates & Disclosures

Card Details

Details apply to cards opened since July 2016.

No Annual Fee

A low rate and additional perks, all with no annual fee!2

Starts with A Minimum $300 Deposit

Secure your line of credit with an equal deposit of at least $300 (e.g. a $300 deposit = a $300 line of credit).

Online Banking & Mobile App

Access your GECU card information through Online Banking and our mobile app. Pay your credit card bill (Online Banking only), receive free eStatements, monitor transactions, and more.3

  • New! Set up automatic payments
    Choose from: statement balance, minimum amount due, or enter an amount that works best for you. Log in to Online Bankingand select the Credit Card tab to get started. (Credit card payments are only available through Online Banking at this time.)

Free Access to Your FICO® Scores

The FICO® Score we provide is the FICO® Score 8 based on Equifax data. If you're the primary cardholder, 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. 

Purchase Protection

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™, Google Pay™, Samsung Pay™, MasterPass™, and Visa® CheckoutLearn 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.


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