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.

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.

Explore our checking and savings options.

Easy as 1-2-3

How the UNITY Visa Secured Credit Card Works

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.

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.

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.)