As a Spectrum Credit Union (Spectrum) member, you deserve the very best. Whether you're planning a trip, managing household finances, or starting your credit history, we offer a variety of credit cards for you to choose from to meet your needs and provide the benefits you deserve.


Visa® Secured Card

  • Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history1, here's a great way to begin that process.
  • Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account.

1Late payments and going over the credit limit may damage your credit history.

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Incorporated, and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered service mark of American Express.

Click on APPLY NOW below to learn more about each product's features and benefits and submit your application today!

For more information, please stop by your local Spectrum branch, or call us at 510-251-6000 or toll-free 800-782-8782.

To report a lost or stolen card 24 hours a day, please call toll-free 866-633-9958. If you are outside of the  United States, call us collect at 701-461-1878. 

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