Build a foundation

We all have to start somewhere. Another option is our SunWest Secured Credit Card, which provides the perfect foundation you need to start building credit.

Features you can appreciate

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Secured Card

Credit follows us throughout our lives, and SunWest will help you design the framework to make sure it works for you, not against you. The strangest thing about credit is that you have to have it in order to get it.

Seems like a paradox, right? How do you build credit when you are expected to already have it? The answer is actually relatively simple. Start here. A Secured Credit Card allows you to build your score from the bottom up. There is no risk, because you “secure” the credit card limit with your own money.

Here's how it works:

1. You have $500

for the purposes of this example, let's say you have $500 in your savings.

2. We put that $500 on hold in your account

We put that $500 on hold in your account and give you a credit card that you can use for up to $500.

3. We remove the hold once the balance has been paid

Once you’ve built your credit up, pay off any remaining balance on your Secured Credit Card, and we remove the hold on your $500.

Sunwest secured card

A Secured Credit Card is also the perfect tool for those rebuilding credit. Sometimes life throws a wrench in our plans, cracking our foundation. This can lead to bad credit, decreased savings, predatory lending and a cycle of unfavorable financial practices (never with us, of course). Take some of that stress off and start here by allowing yourself a comeback. Credit is always something that can be repaired and improved. A Secured Credit Card lets you add positive credit history back into your report, brick by monthly brick.

Build it up

Not everything in the world of finance has to be difficult. Let’s sledgehammer those walls together, so you can build yourself up without barriers.

Stress even less

Stress less about interest! With a low rate of 7.90% APR*, you'll be able to plan a more aggressive attack towards paying off your principal balance. Make purchases with peace of mind online or in person; your Mastercard® credit card is accepted at millions of locations worldwide.

Mobile wallet

All of our cards at SunWest can be added to Apple Pay, Google Pay, and Samsung Pay. Your wallet should be as smart as you!

Get a clean start

Our Essential fresh start checking account helps you take control of your finances so you can spend confidently knowing you have access to all the features you need, without the strings.

Get the most out of your secured credit card:

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Keep your secured credit card for a minimum of 12 months

Deposit as low as $500 for any of our terms. Tiptoe into this ocean without fear of shark-infested waters.

Never let your balance go higher than 30% of your limit

If your limit is $500, you don’t want your balance to go any higher than $150.

Make a monthly payment & always pay on time

An easy method is to use your card for the same thing every month and then pay the balance off as soon as you get your bill. This keeps you from paying interest and allows enough time to report a payment to your credit.

Make money moves

Don’t let the fear of the big, bad credit monster keep you sidelined.

Get in the game with a Classic Mastercard® or a Secured Credit Card from SunWest Credit Union.

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