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
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!
- Apply Online
Start your application right here on our website—quick, secure, and available 24/7. - Get a Fast Decision
We’ll send your loan decision directly to your phone or inbox. - 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)
- Close Electronically
Review and sign your loan documents securely through DocuSign—no need to visit a branch. - 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.