FirstRate Visa

Get the added buying power you need with Secu's FirstRate card

Lower rates = paying less, saving more!

Enjoy the benefits of being a Visa® credit cardholder—including spending flexibility, fraud protection and superior customer service—with one of the lowest interest rates available today plus no annual fee.


  • No annual fee
  • No balance transfer fee
  • No cash advance or foreign transaction fee
  • Lowest rate of any SECU Visa credit cards
  • EMV chip security

Consider this: a lower interest rate gives you the benefit of lower finance charges, and the opportunity to pay off your balance faster. Your minimum payment may even be lower! And don’t forget, there’s no annual fee. That all adds up more money you won’t spend on rates and charges, giving you more options to spend—or save—your money how you want.

SECU FirstRate Visa cardholders also have access to Visa’s complimentary Cardholder Inquiry Service: get quick and accurate account, card benefit, product and service information 24 hours a day, seven days a week.

Get a lower interest rate and greater control with the SECU FirstRate Visa card.

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Credit Card Agreement and Account Opening Disclosures


*APR = Annual Percentage Rate. Rates are based on your creditworthiness when you open your account. After that, your APR will vary with the market, based on the Prime Rate.

SECU is not responsible for the content or availability of linked sites. Please be advised that SECU does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked sites may differ from those practiced by SECU. Please consult the privacy disclosures on this site for further information. Complaints or concerns about this site should be directed to

Visa's Zero Liability Policy covers U.S.-issued credit cards and does not apply to certain commercial card transactions, or any transactions not processed by Visa. Members must notify SECU immediately of any unauthorized use. Visit for more details.