Visa® Secured

Build your credit with responsible use

You secure your credit line with your Monterra savings, giving you financial flexibility you need. 


Build your credit and create a foundation for the future

No annual fee

Rates from 14.99% APR* to 18.00% APR*

Credit limits up to $20,000

Place 110% of your credit limit in a savings account as collateral

Earn 1 Monterra Rewards point for every $1 spent toward every purchase

Tap to pay

Use as overdraft protection for your Monterra checking account

The right credit card for right now

Stop worrying whether your low (or no) credit score is holding you back and start building it up with a Visa Secured credit card. Also, with the opportunity to build your credit, you'll earn Monterra Rewards points that can be redeemed for all types of merchandise and experiences.


For Travel and Lifestyle

Roadside Dispatch®— A 24/7 on-demand referral dispatch network that offers roadside assistance, towing, or locksmith service at any time you require assistance. Learn More

Auto Rental Collision Damage Waiver— Coverage is provided for damage resulting from collision or theft on rental cars. Learn More

NortonLifeLock — Offers ID Navigator Powered by NortonLifeLock to help protect against identity theft.
Learn More

Dovly — Offers a platform to help users fix, manage, and maintain their credit online for free with their card.
Learn More

*APR = Annual Percentage Rate. Rate effective 01/2/2024.

Looking for an account without the hidden fees?
Get a safe place to store your savings.

Personal Loans

The right personal loan is ready for you. Get the funds you need for your expenses and projects, affordably.