A Share Secured Credit Card is a stepping stone for those who may not qualify for a traditional (unsecured) credit card. 

How a Share Secured Credit Card works

Provide a deposit amount equal to your credit line: For example, if you have $1,000 in your share account, you will have a $1,000 credit line available. The deposit (in our example, $1,000) will be held in your account as collateral for as long as you have the share secured credit card. Held funds will continue to earn dividends.

Use your card responsibly: keep your balances below 50% of your credit limit and make payments on time. Since the activity on this card—like any other credit card—will be reported on your credit history, good behavior counts!


Why use a Share Secured Credit Card?

Over time, by using the credit card responsibly, you can increase your credit score and become eligible to convert to a traditional (unsecured) credit card.


Shared Secured Credit Card Benefits

  • Low APR*
  • No annual fee
  • No prepayment penalty
  • No balance transfer fees
  • No minimum finance charge
  • Enhanced security - lock/unlock your card and add travel notes any time of day or night in Online Banking


*APR=Annual Percentage Rate. Upon approval, your APR will be set forth in the notice informing you of your approval. Should you choose not to accept the APR that applies to your Account, you may cancel your application prior to using the Account. Must meet HawaiiUSA FCU membership and lending guidelines.

Access our Secured Credit Card Disclosure and the VISA® Guide to Benefits for additional information.