Build credit, one payment at a time
Use your Linden Visa® Secured Credit Card for everyday purchases while working to establish or rebuild your credit history over time.
A card for where you are
Whether you’re new to credit, rebuilding, or looking for more structure, there’s room to start here.
New to Credit
Start building a credit history with a clear limit and a card you can use for everyday purchases.
- Works like a traditional credit card
- Accepted wherever Visa® credit cards are accepted
- Online access to your balance, purchases, and payments
Ready to Rebuild
This card offers a practical way to begin adding positive payment history over time.
- Payment activity reported to the credit bureaus
- On-time payments may help build your credit history
- Certified Financial Counselors available when you want guidance
Looking for More Structure
A credit limit tied to savings can help keep the amount available to spend clear and manageable.
- Typically starts with a $500 credit limit
- A matching amount is held in your Linden savings
- Online tools help you keep track of spending and payments
Support that starts with listening
Building credit can bring up a lot of questions. We’ll take the time to understand where you’re starting, explain how the card works, and help you build habits that support your goals.
- A clear credit limit secured by money set aside in savings
- Online access to your balance, purchases, and payments
- Payment activity that can help build your credit history
- Certified Financial Counselors available when you have questions
The team was super helpful and courteous in guiding us through a family emergency. Even though we live overseas, they provided us with timely, personalized attention that we will be forever grateful for.
- Tom B
- Linden CU Member
Current Visa® Secured Credit Card Rates
| Credit Card Type | APR1 as low as |
|---|---|
| Visa® Rewards Credit Card | 9.90% |
| Visa® Secured Credit Card | 9.90% |
1APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Visa® secured credit card questions, answered.
How does a secured credit card work?
A secured credit card works like a traditional credit card, but it uses money set aside in your Linden savings account as security. That amount generally matches your credit limit and remains on hold while the card is active. The money is still yours, but you can’t withdraw or spend it while it’s on hold.
Can a secured credit card help me build credit?
Making payments on time and keeping your balance manageable may help you build a positive credit history over time. Credit scores are based on many factors, so results can vary. If you’d like help understanding your credit, one of our Certified Financial Counselors can talk it through with you.
What’s my credit limit for a secured credit card?
We typically set aside $500 from your Linden savings account, which gives you a $500 credit limit. The money remains in your savings but won’t be available to withdraw while it secures the card.
How do I apply for a credit card?
You can apply online for a Visa® credit card. Once we receive your application, we’ll review it and let you know what comes next.
Can I manage my card and make payments online?
Yes. You can use the Credit Card Login to check your balance, review recent purchases, make a payment, and more.
What should I do if my credit card is lost or stolen?
Call 1-800-991-4964 right away. A member service representative will walk you through next steps.
Wherever you’re starting, we’ll start there with you.
