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Share Secured Visa Card

Overview

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When you have problems with your credit, it makes life more difficult.

If you haven’t built up a credit score or your credit score has been damaged, a secured Visa can be a great option for creating or repairing credit. This type of secured card is designed for those who lack the credit to get a traditional Platinum or Classic card.

Apply now from your computer, mobile phone, tablet, or in person with one of our friendly loan officers. More questions? Contact Consumer Loans at 907-459-5970.

  • Credit limits as low as $250 available
  • Build or repair your credit
  • Simple approval process
  • All the protections and benefits of VISA
  • No annual fee during the first year

Spirit of Alaska and uChoose Rewards® give you more flexibility and choice than ever when it comes to redeeming reward points for stuff, including cash back!

You can choose from millions of options like merchandise, travel experiences and activities, event tickets, merchant gift cards, cash and more, just by using your Spirit of Alaska debit card every day.

With this VISA card, money from your savings account is used as collateral to “secure” the card. With a savings secured card, you will be able to avoid finding a co-signer or using other types of collateral.

Not only is it a great alternative, but it helps you build credit over time as you make your payments and your funds continue to earn interest while being held in your savings account.

You may be eligible to upgrade to an unsecured VISA credit card after a year of building credit with your secured Visa card.

*Annual Percentage Rate is on approved credit. Credit Card fees and terms will be disclosed at the time of the issuing the card verbally and in the contract. See our Pricing Guide for fees. See the Rates tab on this page for complete interest rate and fee details.

Rates

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Type of Loan Term APR*

Share Secured
Visa Card

Revolving 12.99% Fixed

Refer to our Pricing Guide (PDF) for transaction and activity fees, as well as credit union membership fees.

* APR = Annual Percentage Rate. Current as of [date]. Up to 100% financing available, some restrictions may apply. Interest rates and terms dependent on credit qualifications. Interest rates on new Share Secured Visa Cards are subject to change at any time. Optional Spirit of Alaska Protection available.

Contact the Loan Department at (907) 459-5970 for more detail.

Federal law requires us to verify all identities when opening new accounts. If you are applying with a joint applicant, their consent is implied when the application is submitted with the on-line loan application.

Calculator

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FAQ

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FREQUENTLY ASKED QUESTIONS

Not necessarily. Share secure cards help build credit for people who have low or nonexistent credit scores by using their savings accounts as collateral for the purchases made on the card.

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You guys at Spirit of AK never cease to impress me. Thank you for your hard work and bravo for doing it so well :)

- T. A