If you don't have a credit score, regular payments can get you on the map or turn bad credit around.
Get an account review to see if you qualify for an unsecured card, and free up your savings.
For every $1 you spend, you'll get 1 reward point to redeem on travel, shopping, cash, and more.
No surprise fees each year and free cash advances — just pay interest on the money you borrow.
Rate as of: 07-23-2021
*This APR will vary with the market based on the Prime Rate. Learn More About Our Credit Card Offers.
“Chartway Federal Credit Union was great. No Issues with obtaining financing since I had my previous loan with them. Always an enjoyable experience.”
- Kamil, April 2, 2021.
“Been a member for about 3 years! When I walk in they know who I am. They are helpful with my questions and friendly as individuals. I'm proud to be a regular member.”
- Jessica Giordano, 2019.
**APR = Annual Percentage Rate. Rate is currently 8.99% to 17.89% when you open your account, based on your creditworthiness. Not all borrowers will qualify for the lowest rate. Applicants who do not qualify for the Visa Rewards Card will be reviewed for the Visa Secured Card. Rates effective 6/15/21 and may change or end at any time.
***Introductory 0% APR* on Balance Transfers for 12 months on balance transfers within the first 90 days. After the first 12 months, rates will range from 9.99% to 17.89% APR.
****Variable APR from 6.99% to 18%.
A secured credit card means you can use your savings as collateral to show your card issuer that you will be a reliable borrower and pay the funds back. Once you've established a good payment record, your credit history will start growing, or your credit score will start improving, and you'll be able to get an unsecured card. When a credit card or loan is unsecured, you do not need to borrow against your savings or other property.
Having a good credit score will allow you to borrow money for the big things in life, like a home or college tuition. But nobody is born with a credit history. You have to build it up over time. Getting a credit card and making regular, timely payments is a great way to get yourself on record as a trustworthy borrower. Excellent credit equals a secure future.
The easiest way to pay is by using Chartway online and mobile banking. You can view all your accounts and easily make payments. Alternatively, drop into your local branch.