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Start building or rebuilding your credit with our Visa Secured card.

Build or rebuild your credit with a Secured Visa card

Chesterfield Federal Credit Union is the best place to start improving your credit. Don't get fooled with high fees and rates with other secure cards. Our Secured Visa card has no annual fee, and a low rate of 13.9% APR*.

Your Secured Visa card will work just like a regular credit card. Your credit limit will be based on funds that you provide to us. We will hold these funds in a separate savings account. After 12 months of on-time payments, we invite you to reapply for a Visa Emerald card.

Secured Visa Benefits

  • No annual fee
  • No balance transfer or cash advance fees
  • Low rate of 13.9% APR*
  • Build your credit with on-time payments
  • Debt Protection
  • Rates
  • Apply
  • Request Info
  • Verified By Visa
  • FAQ
Debt Protection

Play it safe with CFCU Safety Net

Help preserve your standard of living. Whether you're taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because the unexpected can happen at anytime. You’re betting you won’t lose your job (through no fault of your own), or become disabled (due to injury or illness), or pass away, leaving your family responsible for your loan balance. Life events can cause financial hardship, making bill-paying difficult. You don't want delinquent payments and defaulted loans to cause you to lose your assets, negatively impact your credit rating, or cause financial distress for your family.

Protection suited for you

CFCU Safety Net* is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly occurs. And, simple eligibility requirements ease the enrollment process.

Protection that matters

If your loan is protected and a life event happens to you, CFCU Safety Net* will cancel or reduce repayment of your loan debt - helping to lessen worries about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Life Plus adds protection for financially-stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent.

Protection suited for your needs

Because each member has different needs, we offer three different options for protection with CFCU Safety Net:

  • Comprehensive Protects your family in case of loss of life, disability or involuntary unemployment
  • Prepared Protects your family in case of loss of life or disability
  • Thoughtful Protects your family in case of loss of life
Ask your Financial Services Representative about protection with CFCU Safety Net.
* Your purchase of CFCU SafetyNet is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of CFCU SafetyNet.
Effective Aug 1, 2019
Credit Cards Intro Rate^ APR* Calculator
Secured Visa 13.9% Calculator
Visa Emerald 3.9% 8.9% Calculator
View pricing information on our Visa products.Opens in New Window
^ For 6 months
* Annual Percentage Rate. Lowest APR available with qualifying credit.


Applying for a loan online is easy! Just follow these simple steps:

Auto Loans, Personal Loans, Credit Cards

  1. Log in to your Net24 Home Banking account
  2. Select "Apply For A Loan" from the left column navigation menu
  3. Complete the appropriate application
  4. A Financial Services Representative will contact you within one business day with more information.

Home Equity Loans & Lines of Credit

  1. Complete a Request for Information and select Home Equity Loans and Lines
  2. A Financial Services Representative will contact you within one business day with more information.

First Mortgages

  1. Complete an Mortgage ApplicationOpens in New Window through our recommended mortgage partner's loan site.
  2. Their mortgage specialist will contact you to get more information about your mortgage needs.
Request Info
Verified By Visa

Get peace of mind when you shop online with Verified by Visa

Verified By Visa

Our Visa credit and debit cards offer comprehensive fraud protection, but Verified by Visa goes even a step further, adding an extra layer of security at the point where you enter card information online. The service helps prevent unauthorized online use by confirming your identity with an additional password.

When you shop at participating online stores, you’ll enter your Visa credit or debit card number, plus your unique Verified by Visa password. It’s that easy. And your card information is secure!

Register today! It’s free and takes just a moment. Let Verified by Visa protect you when you shop online.

Apply today and start rebuilding your credit securely!