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UNIFY Visa® Share Secured Card card

UNIFY Visa® Share Secured Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Fair / Poor / No Credit Required
Card network
Visa
Regular purchase APR
11.74% Fixed
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The UNIFY Visa® Share Secured Card is an ideal option for consumers who are new to credit or those who need to repair their credit. It features a low maximum credit limit, which can help cardholders avoid racking up unwieldy credit card debt. However, just because it’s a secured card doesn’t mean that it has no benefits. Cardholders are eligible for many of the same perks offered on UNIFY’s other credit cards.

Our review of the UNIFY Visa® Share Secured Card

The UNIFY Visa® Share Secured card is a top choice for consumers looking to establish credit. This secured card from UNIFY Financial Credit Union is perfect for young adults and those new to credit. With no annual fees, no cash advance fees, and a low interest rate, this card offers all the benefits of a traditional credit card without the risk of falling into debt.

Feel Secure with a Secured Card

Unlike traditional credit cards, a secured card requires a minimum deposit to secure a line of credit. UNIFY requires a $500 minimum deposit for the Share secured card, which will also be the cardholder’s credit limit. This deposit acts as collateral in case the cardholder fails to pay off their debt, reducing the risk of falling into financial trouble.

Enjoy No Fees with UNIFY

UNIFY credit union stands out for its no-fee policy on all credit cards, including the Share secured card. Cardholders won’t have to worry about annual fees, cash advance fees, or foreign transaction fees when using their secured card. This makes it easy to explore the world and build credit without extra costs.

Benefit from One Low Interest Rate

The UNIFY secured Visa® card offers a single low interest rate to all cardholders, making it easier to manage monthly payments and understand the cost of borrowing. This consistency allows consumers to build credit responsibly and pay off interest without breaking the bank.

Get Extra Perks

In addition to its low fees and interest rate, the Share secured card offers extra perks like overdraft protection and a Visa® rental car perk. Cardholders can access these benefits to protect their finances and enjoy added convenience when using their secured card.

Is the UNIFY Visa® Share Secured Card Right for You?

If you’re new to credit or looking to build credit responsibly, the UNIFY Visa® Share Secured card is a great option. With reasonable deposit requirements, generous credit limits, and no fees, this card is ideal for young adults and college students. Start with the Share secured card and you may find yourself upgrading to one of UNIFY’s non-secured credit cards in the future.

Explore other credit card offers to find the best option for your financial needs.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • No annual fee
  • Optional debt protection feature
  • Auto rental collision damage waiver through Visa®
  • No fees for balance transfers and cash advances

Who this card may suit

  • You're just starting to build your credit
  • You need to repair lower credit
  • You want the debt prevention measures that a secured card offers
  • You don’t want to pay annual fees or fees on various transactions

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR11.74% Fixed
Balance Transfer APR11.74% Fixed
Cash Advance APR11.74% Fixed
Late Payment Penalty FeeUp to $25
Return Payment Penalty FeeUp to $25
Minimum Deposit Required$500

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Fair Credit Poor Credit Limited or No Credit.

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UNIFY Visa® Share Secured Card

Apply Now for UNIFY Visa® Share Secured Card (opens in a new tab)

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