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Share-Secured Visa®

Always here for life's surprises.

With a straight-forward rate and $0 fees for balance transfers and cash advances, this will be your most valuable card.

Arrowhead Credit Union Visa card
Credit Cards
Share-Secured Visa
Rates & Fees
FAQ & Links


The Arrowhead Share-Secured Visa® helps you build credit while still having the convenience of a Visa credit card in your wallet.

We report monthly to all 3 credit bureaus so that your regular on-time payments can assist in improving your credit. Plus, you'll be able to monitor your FICO® Score monthly on your statements.

  • No credit-qualifying
  • You set your limit–deposit up to $5,000
  • Use it as you need it, just like a regular Visa
  • Repair existing credit or establish new credit
  • Free access to FICO Score, updated monthly on your statement
  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • Added security with fraud text alerts

Rates & Fees

Share-Secured VISA® Credit Card2
Effective Date: May 20, 2024
APR*Estimated Payment
23.24% 3% of Balance
($25 Minimum)

View Visa Rate Schedule

FAQ & Links

Is there a minimum loan amount?

Yes, the minimum deposit amount to open a Share-Secured Visa is $300.

How much of my deposited funds am I able to borrow against?

You are able to use up to your entire deposited limit, as you need it.

Does the Share-Secured Visa help me build my credit?

The Share-Secured Visa is reported to credit bureaus. With regular, on-time payments, your credit could improve.

Are there any fees on my Share-Secured Visa®?

There are no monthly or annual fees on your Share-Secured Visa. However, if your payments are not made on time, you may be subject to a late fee. Please refer to the Visa Rate Schedule, Agreement and Disclosure, and Share Pledge Agreement for additional details.

When does interest accrue?

Interest will not be charged on purchases, balance transfers, and cash advances if you pay your entire balance by the due date each month. Please refer to the Visa Rate Schedule, Agreement and Disclosure, and Share Pledge Agreement for additional details.

Is there a grace period from my due date?

You have 15 days after your due date to make your payment before a late fee is applied.

Why is my monthly payment not displaying online?

Your payment will display in the "payment" field on your balance page once your statement has been generated and your payment calculated.

Once your payment has been made, the payment will be removed until your next statement date. You will still be able to make additional payments and transfers using the transfer feature.

When will I start to see my FICO Score on my statement?

Your FICO Score may take up to two billing cycles to show up on your statement. From then on, you should see it on every statement. For more information, click here.

Can I do a cash advance to my checking?

Yes, just transfer 'From' your credit card 'To' your desired share in online banking.

Can I conduct balance transfers?

Yes, to conduct a Balance Transfer you can either select the gear icon next to your Credit Card share in Online Banking, or by visiting your local branch.

Can I use my Share-Secured Visa as overdraft protection for my checking?

Yes, to set up overdraft protection, use the gear wheel icon next to your checking share. You may also contact us at (800) 743-7228, or visit your local branch during normal business hours.

How do I report a lost/stolen card?

You can contact us at (800) 743-7228, or visit your local branch during normal business hours. For hours and locations, click here.

How do I get a replacement card?

You can contact us at (800) 743-7228, or visit your local branch during normal business hours. For hours and locations, click here.

Who can I contact if I have any questions regarding my Share-Secured Visa?

You can contact us at (800) 743-7228, or visit your local branch during normal business hours. For hours and locations, click here.

Related Links
Signature Loan
Share-Secured Loan
Smart Start Loan
Overdraft Protection
Rate Schedule
Agreement and Disclosure

*APR=Annual Percentage Rate. Rate valid as of .  APR will vary with the market based on Prime Index. No credit qualifying. Rates and terms subject to change. View the Visa Rate ScheduleAgreements and Disclosures, and Share Pledge Agreement. Minimum payment of 3% of your balance or $25, whichever is greater.

The FICO Score provided to you is the FICO Score 9 based on Experian data, and is the same score that Arrowhead uses, along with other information, to manage your account. The credit file used to create your FICO Score is continuously updated, and this FICO Score may not reflect the most current data on your credit file. The FICO Scores and associated educational content is provided solely for your own non-commercial personal educational review, use and benefit. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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