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A Secured Credit Card* is the perfect solution if you are looking to build or re-build your credit. It works like any other credit card except that it requires a security deposit which is held as collateral for your account.

You receive these great benefits.

  • Graduation Eligibility: With responsible use, you may become eligible for graduation to an Unsecured Credit Card in as little as 13 months.
  • Free FICO® Score1
  • Fraud Monitoring & Zero Fraud Liability
  • Text & Email Fraud Alerts
  • Travel Accident Insurance2
  • Cell Phone Protection3
  • Mobile Payments, a safe and secure way to pay with Apple Pay® or Google Pay™
  • 24/7, U.S.-based Customer Service
  • Financial Education



*This card is issued by TCM Bank, N.A. Subject to credit approval. See the card application's Important Disclosures for current rates, terms and fees. Annual Percentage Rate (APR) will vary based on the U.S. Prime Rate as published in The Wall Street Journal. TCM Bank adds a margin to the Prime Rate to determine variable APRs. TCM Bank uses the highest Prime Rate listed in The Wall Street Journal on the last business day of the calendar month prior to your statement closing date (“Last Business Day”) and apply it beginning with the first billing period following the Last Business Day. APRs shown here are based on a 3.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. The margin for the APR for Purchases and Balance Transfers is 15.74% and for Cash Advances is 18.74%.

The Secured Credit Card APR is currently 19.24%. This APR is accurate as of May 12, 2022 and subject to change. To find out what may have changed, contact us or check our website for the current rate. The following fees may apply to your account: the Annual Fee ($29.00), Transaction Fees - Balance Transfer; Cash Advance (either $5 or 3% of each balance transferred, whichever is greater); and Foreign Transaction (1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars outside the U.S., or with a foreign merchant, whether in a foreign currency or in U.S. dollars). Penalty Fees - Late Payment up to $40.00; Over-the Credit Limit $0.00; Returned Payment Up to $40.00.

1 FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.

2 Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.

3 Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit visit the FAQ section at or call 1-866-894-8569.


Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC.