Build or Rebuild Credit

No credit score required. With a UNITY Visa® secured credit card you can make a comeback!

Qualifications apply. See our rates and disclosures.

Unity Visa Secured Card

Build or rebuild your credit. 

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

Credit Rebuilding Tools

You Can Make a Comeback

You shouldn’t have to live with bad credit…

…and the truth is, you don’t have to. Make a comeback and start working to rebuild your credit with our How to Rebuild Credit Program.

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Strengthen Your Credit History

Reports to all 3 major credit bureaus, Experian, Transunion, Equifax, that can help you build or rebuild credit.

Get Benefits of a Credit Card

Accepted everywhere Visa credit cards are accepted. Your security deposit equals your credit limit.

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Access the Rebuild Credit Program

Learn best practices to build or rebuild credit and manage debt to build generational wealth.

Explore our checking and savings options.

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Checking Accounts

Get the card with no monthly maintenance fee, AI-driven insights, early pay, and more.

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Savings Accounts & CDs

Earn interest, save your change, and get personalized AI-driven insights about the best way to grow your savings.

Easy as 1-2-3

How the UNITY Visa Secured Credit Card Works

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Get the Card.

Apply for a UNITY Visa® Secured Card account online. No minimum credit score. See our rates and disclosures. Qualifications apply

With the UNITY Visa® Secured Card you get:

  • Visa credit card
  • Security deposit FDIC insured
  • No application fee or penalty rate
  • Fixed rate, not variable

Start your journey to better financial wellness.

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Fund the Security Deposit.

Your security deposit will equal your credit limit. Your credit limit will be determined by your income and your ability to pay the credit line established.

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Build Credit While You Shop.

Your bill comes monthly, and you pay for the purchases you’ve made. We report to the 3 major credit bureaus, which can build or rebuild your credit. (Please note: Your security deposit cannot be used to pay off your balance. See disclosures for more information.)

It takes 5-minutes to start elevating your finances

See exactly where you’re spending money, how you’re achieving and how you can improve.