Understanding a payday loan

Prestige Community Credit Union

Getting a credit card can be a great option to help build your credit. You can borrow a lump sum of cash using your savings account as collateral, or qualify for our Prestige Community Credit Union MasterCard.

Become A Member

Prestige Community Credit Union is a member-owned financial cooperative, with the sole purpose of returning profits to members in the form of higher savings rates and lower interest rates on loans.

Your road to building credit must start somewhere, so why not start by joining our community of member-owners.

Choose Your Prestige CCU Credit Card

If you’re looking for great rates on credit cards, we offer some of the best rates (updated monthly) and features, nationwide. Even if your credit is less than perfect, you can still qualify for a low rate.

apply for a credit card

Secured Credit Cards

Our secured credit cards provide the best path to helping you establish or rebuild your credit. We make it easy to qualify at Prestige CCU.

Set your limit with the amount of money you have in your member savings account (Minimum card limit $500.00). We require a 110% pledge in a secured savings account, which means that if you set your card limit at $500, you must deposit $550.00 into your account.

Our secured credit cards offer similar benefits as our regular credit cards with the following exceptions:

No introductory APR*
Current APR* determined by 12.90%+Prime Rate

Pay On Time, Build A Strong Credit Score

Making minimum monthly payments on time should improve your credit score. As your score improves, you can apply for an unsecured card and improve your interest rate. Not to mention, graduating to an unsecured credit card releases your initial deposit back to you!