Express offers a low rate, no annual fee credit card to approved members! Credit limits are based on your credit history and ability to repay.
No annual fee
A minimum 28-day grace period on purchases
Cash advances available at ATMs worldwide
Make payments and view statements online
Sometimes all it takes is one unexpected expense to throw off your entire budget, leading to delinquent payments or inability to pay an account balance. Express CU offers opportunities for getting back on track and rebuilding your credit with products designed for these situations.
Qualify for your first credit card or rebuild credit with an Express CU secured VISA card
Obtaining a secured card requires a deposit of 120% of the card limit into a savings account
For example, Express CU requires $600 on deposit for a $500 credit limit
Deposit funds in your name are held as security for the loan for 1 year, subject to conditions
Make on time payments for one year and you may qualify to have your deposit funds released
Rate varies based on credit score ranging from 8.50% to 16.50% APR ⱡ.
Secured VISA card limits range from $250 minimum up to $1,000.
If qualified for a secured credit card you will be referred to an on staff Express CU financial coach to
assess your personal financial situation
review your credit report
talk about budgeting tools
learn more about how these products may help you build a better financial future
Some restrictions may apply, ⱡ see Truth in Lending Disclosure