The perfect card for someone looking for their first credit card with little or no established credit or anyone trying to rebuild their existing credit.

 

 

Key Features

  • No Annual Fee
  • Competitive Rates
  • Secured by a deposit account funded at approval

Enjoy:

  • Secured by a deposit account funded at approval.
  • Continue earning dividends on deposits on the secured account.
  • Affordable monthly payments

We’ve made it simple—from application to funding!

  1. Apply Online
    Start your application right here on our website—quick, secure, and available 24/7.
  2. Get a Fast Decision
    We’ll send your loan decision directly to your phone or inbox.
  3. Provide Required Information
    Easily upload your documents if needed:
    • Recent pay stubs (for income verification)
    • Statements (if consolidating debt)
    • Vehicle info (if you're buying—year, make, model, VIN, and mileage)
  4. Close Electronically
    Review and sign your loan documents securely through DocuSign—no need to visit a branch.
  5. Receive Your Funds
    Once signed, we’ll disburse your loan.
Loan Type Rates (APR) As Low As Terms Up To Visa Share Secured 16.49% Fixed Rate (Secured by member shares) *All rates and terms are subject to change without notice. Rates listed are the lowest rates available at TRUE Community Credit Union to qualifying members with high credit scores. Actual.