Build your credit.
Secure your future
The Nova UA Secured Credit Card helps you establish or rebuild credit safely — backed by your own savings and the trusted support of the credit union.
Why choose a Nova UA Secured Credit Card
Start your credit journey with confidence — build or rebuild your credit using your own funds while enjoying the same great benefits as any Nova UA Visa Card.
Build Credit Securely
Use your own funds as collateral to establish or rebuild your credit history responsibly.
Low Deposit to Start
A minimum of $275 deposit unlocks a $250 credit line — designed to help you begin safely.
Flexible Credit Limits
Need a higher limit? Deposit your desired credit amount plus 10% into your savings account.
Same Great Benefits
Enjoy the same convenience and online access — with added peace of mind.
How to apply, activate, and build with your secured card
Apply Easily
Make Your Deposit
Get Your Card
Build Your Credit
Use your card regularly and make on-time payments to strengthen your credit history.
Getting started requirements
Key criteria to qualify for a Nova UA Secured Credit Card.
Eligibility
Must be a Nova UA FCU member
Minimum Deposit
$275 to start
Higher Limits
Deposit desired amount + 10%
Age & Eligibility
18+ and Credit Union eligible
Ready to build your credit the right way?
Apply for your Secured Credit Card and start your path toward financial freedom today.
Since 1960
People Helping People
What is a secured credit card?
A secured credit card is a type of credit card that requires a cash deposit as collateral. With our secured card, your credit limit is based on the amount you choose to deposit, plus an additional 10%. This deposit protects the issuer if payments aren’t made and helps you build or rebuild credit while using the card responsibly.
Why do I need to give a deposit?
The deposit reduces risk for the bank and makes it easier for people with low or no credit to get approved.
Does a secured card help build credit?
Yes. All secured cards report to all major credit bureaus, helping you build or rebuild your credit with on-time payments.
Do I get my deposit back?
Yes. You get your deposit back when you close the account in good standing or when the bank upgrades you to an unsecured card.
Can I increase my credit limit?
Yes. Nova allows you to increase your credit limit by making additional deposits.
Is a secured card the same as a prepaid card?
No. A secured card works like a real credit card. You borrow against a credit line, not your deposit.
Got questions?
We’re here to help.
Whether you're opening your first account or exploring your credit options — our team is just a message away.
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