Secured Visa®
The card designed to help you build or repair your credit.
Let ALEC help you build a stronger credit future.
Want to get your credit into shape? Or start forming your credit background? Then an ALEC Secured Card is the perfect credit card for you.
You get all the benefits of a credit card but with a secured amount established when you apply. Unlock financial stability with our Secured Visa card,
- Strengthen your credit history or start building it:
- Build or rebuild your credit by getting a secure card. Your usage and payment activity is reported to credit bureaus allowing your usage of your card to potentially have a positive impact on your credit score.
- Get the benefits of having a credit card by providing a single deposit when you apply.
How it Works
- Get the card
- Apply Online
- No minimum credit score
- Fund the savings deposit
- Request your own credit limit by providing a single deposit between $500 and $2,500 when you apply, subject to approval. Deposit will be made to an interest bearing share savings account. The funds in that account will be placed on hold to secure the card limit for the duration that the card is open.
- Start building or strengthening your credit
- Bill will come monthly and help rebuild your credit.
- When you first receive your card, you’ll enjoy 0% APR* for the first 12 months. During this time, you won’t receive any interest charges on your purchases or balance transfers.**
- Once your 0% APR expires, you’ll receive a low variable APR starting as low as 12.20% — 21.20%3.
Enjoy the Benefits of an ALEC Visa
0% intro APR
Take advantage of a 0% introductory APR* for the first 12 months on purchases and balance transfers.**
No annual fee
We don’t charge you an annual fee to take advantage of low interest rates.
24-hour support
Get assistance at any hour of the day with 24/7 member service and support.
Enhanced security
Our cards have both a contactless option and EMV microchip security built in.
Included With All Cards
Auto Rental Collision Damage Waiver
Travel Accident and Baggage Delay Insurance
24-Hour Support
Travel and Emergency Services
Digital Wallet
Warranty Manager
Online Account Access
Visa E-Statements
Manage Your ALEC Credit Card
Managing your card is easier than ever with our new Credit Card Valet app. Just a few of the great benefits include:
- Lock and Unlock your card at any time, for any reason.
- Report your ALEC Visa Credit Card as lost or stolen.
- To contact Visa, please call 866.820.5788 to report it immediately. If you are international, please contact us.
- Your ALEC Visa card comes with worry-free protection. Should any unauthorized transactions occur on your card within the Visa network, you’re 100 percent covered against fraudulent activity — with zero liability on your part.
- Notify us of your travel plans to prevent any temporary card suspension or purchases being denied.
- ALEC wants your next trip to be as hassle-free as possible. You can notify us of your travel plans in several ways:
- Submit your travel destination and dates within Online Banking
- Add your travel destination and dates in our Credit Card Valet app
- Call 24/7 to 800.762.9988
- Send a secured message through Online Banking
- Stop by any Branch
- ALEC wants your next trip to be as hassle-free as possible. You can notify us of your travel plans in several ways:
Additional Resources:
Have questions? We're here to help.
* APR = Annual Percentage Rate. 0% APR on purchases and balance transfers, valid the first 12 months the account is open. Rate then reverts to the assigned variable account rate. Introductory APR not available for cash advances or for existing ALEC Visa cardholders. All credit cards subject to approval. Rates subject to credit history, term and other factors.
** All balance transfers are subject to a 2% balance transfer fee.
3 The post-introductory APR varies by credit card and credit history. It also varies with the market based on the Prime Rate. Prime Rate is “prime” as listed in the “Money Rates” section of The Wall Street Journal from the last business day of the previous quarter. As of March 31st, 2025, the Prime Rate is 7.50%. The rate floor is 4.00%.