Two Cards: One Goal — Your Financial Future

Good credit opens doors — and we're here to help you walk through them. Our SPC Secured Credit Card is a smart way to build or rebuild your credit, while our traditional Unsecured Mastercard Credit Card offers everyday convenience with member-friendly rates. Compare the cards below and find the one that's the right for you.

APPLY FOR A CREDIT CARD

SPC Secured Credit Card

Build While You Buy A Secured Card to (Re)Build Your Credit. Whether you're new to credit or working on a fresh start, the SPC Secured Credit Card is a simple, safe way to build your credit history — one everyday purchase at a time. It works just like a traditional credit card, but it's backed by a refundable cash deposit.*

  • Unlike a prepaid or debit card, your Secured Credit Card activity is reported to the credit bureaus — which means every on-time payment helps build your credit history. It works just like a traditional credit card, but it's backed by a refundable cash deposit.

  • 1. Deposit With a minimum of $500, you can open a Secured Credit Card. The money is kept in a secure savings account separate from other checking and savings accounts you may have at SPC. Your money stays yours — it's simply held as collateral.

    2. Spend Your deposit becomes your starting credit limit. Use your card anywhere Mastercard is accepted.

    3. Grow Make everyday purchases, pay your balance monthly, and watch your credit score improve over time.

  • Choosing your local credit union means you get real card benefits — without the high interest rates or hidden fees of traditional banks.

    • Low 9.90% APR* — the exact same low rate as our unsecured card

    • $0 annual fee and $0 cash advance fees

    • Tap-to-Pay for fast, secure checkout

    • Easy account access with SPC Online Banking and the SPC Mobile App

    • Automatic payment options so you never miss a due date

    • Balance transfer options to help consolidate debt

    Plus, built-in Mastercard protection: Travel Accident Insurance, MasterRental Coverage, Purchase Assistance & MasterAssist, and Debt Protection.

  • Grow your limit. Start with a minimum of $500. From there, you can apply to increase your limit in $500 increments every 6 months (up to $5,000) by matching your collateral deposit.

    Mark your calendar. Payments are due by the 28th of every month. Consistent, on-time payments are a great way to boost your credit score.

    No over-limit fees. If you hit your limit, the card simply declines — protecting you from heavy fees.

    Your card, your timeline. Use your secured card as long as you like. After at least 6 months of positive payment history, talk with our Lending Team about moving to an unsecured card.

  • How can I apply for a Secured Credit Card? You can apply anytime, anywhere online — no need to visit a branch. Apply Now

    Am I eligible? If you qualify for SPC Membership (or are already a Member), the only other requirement is a $500 initial cash deposit, held as collateral in a separate savings account.

    Where is my deposit kept? Your deposit is held in a designated savings account, separate from any other savings or checking accounts you have with SPC.

    Can I get this card with bad credit or no credit? Yes! This card is a great option if you have little, no, or poor credit.

    What's the rate? The SPC Secured Credit Card has a low rate of 9.90% APR* — the same rate as our traditional card.

    Can this card help me qualify for an unsecured card? Absolutely. Using your Secured Credit Card responsibly — especially paying on or before your due date each month — can boost your credit score and open the door to an unsecured card.

Ready to Start Building? You don't have to wait in line to jumpstart your financial future. Apply online in minutes. Apply Now

*Must meet membership eligibility requirements. A refundable security deposit is required. The deposit will be held as collateral for your secured credit card account and may be used to satisfy unpaid obligations. Credit may be pulled. Terms and conditions apply. A fee of up to 2.00% applies per transaction to foreign transactions. We will not charge you any interest on purchases, balance transfers or cash advances if you pay your entire balance by the due date each month.

SPC Mastercard Credit Card (unsecured)

Buying Power That Puts You First A Traditional Card with Member-Friendly Rates and Real Benefits.

For everyday purchases, unexpected expenses, or that well-earned getaway, the SPC traditional Unsecured Credit Card gives you the flexibility you need — with the honest terms you deserve. No annual fee, no hidden surprises, and a low rate that keeps more money where it belongs: in your pocket.

  • Choosing your local credit union means you get real card benefits — without the high interest rates or hidden fees of traditional banks.

    • Low 9.90% APR* — one of the most competitive rates around

    • Incredible Intro Rate — 2.90% for the first 12 months (new cardholders only)

    • NO annual fee and NO cash advance fee

    • Contactless Tap-to-Pay for fast, secure checkout

    • Mobile Wallet compatibility — pay with your phone or watch

    • 25-day grace period on purchases

    • Balance transfer option to help consolidate higher-rate debt

    • Automatic payment option so you never miss a due date

    • Online access with SPC Online Banking

  • Your peace of mind is built right in:

    • Enhanced security and fraud protection monitors your account around the clock

    • Card controls within the SPC Mobile App let you lock your card, set alerts, and manage spending — right from your phone

    • Affordable Debt Protection coverage available for life's unexpected moments

  • Every SPC Traditional Credit Card comes with premium Mastercard protections at no extra cost:

    Travel Accident Insurance Automatic common carrier accidental death and dismemberment coverage up to $250,000 for you, your spouse or domestic partner, and unmarried dependent children — plus $100 per day for baggage delays.

    MasterRental Coverage Renting a car for 15 days or less? You and your authorized drivers are covered for physical damage, theft, loss-of-use charges, and towing to the nearest collision repair facility.

    Purchase Assistance Coverage for damaged or stolen items within 90 days of purchase.

    Extended Warranty Doubles the original manufacturer's warranty for up to 12 additional months.

    MasterAssist Travel Assistance Travel support before and during your trip — including medical, legal, and roadside assistance services.

Ready for a Card That Works for You? Apply online in minutes — anytime, anywhere. Apply Now

*Must meet membership eligibility requirements. Credit may be pulled. Rates, terms, and conditions apply and are subject to change. Mastercard benefits are subject to the terms, conditions, and exclusions of the applicable benefit descriptions.

Other Card Services

You won’t want to miss out on these FREE and easy-to-use services for your SPC Credit & Debit Cards!

  • Mobile Wallets are a new way to put your money in your pocket—by putting it on your phone, first!

    Load your SPC Debit &/or Credit Cards into your Mobile Wallet using Apple Pay or Google Pay.

    Click here to learn more about the safe, secure, and simple ways to make your money more mobile than ever!

  • Card controls in the SPC Mobile App allow you to:

    • Temporarily lock & unlock your SPC Debit & Credit Cards.

    • Enable push notifications for card activity alerts, including "card not present" and foreign transactions.

    • View recent card activity.

    • Report lost or stolen cards.

    Find "Card Controls" in the "Home" menu of the SPC Mobile App.

    If you would like to report a lost or stolen credit card, please call 888-241-2510.

    If you would like to speak with a representative about your Credit Card, please call 844-675-5029.

    If you would like to speak with a representative about your Digital Wallet, please call 844-675-5039.

  • Don’t stop there!

    Access even more card-related support services by viewing our Mobile and E-Services page.