Credit and Prepaid Cards

Secured Credit Card

Low deposit requirements, competitive rates, and personalized payment options make it easy to get back on track.

Why should you choose our Secured Credit Card?

Secured credit cards operate similarly to regular credit cards, except for one key distinction: you must make an upfront cash deposit to secure your credit line. Even if your credit history is considered when evaluating eligibility for a secured card, the line of credit you receive is backed by the security deposit.

Pricing and Terms

Available for all TFB customers
Enjoy competitive interest rates between 11.97% to 13.98% APR, based on creditworthiness.
A minimum deposit of $500 (with a maximum of $5,000)
Low annual fees that can range between $29.99 and $49.99
Refundable security deposit (maximum credit limit will be equal to the amount of the security deposit)
Enjoy SecurLOCK Equip, Tap-to-Pay, and Scorecard Rewards

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Secured Credit Card FAQs

: You must be at least 18 years of age to apply for a credit card.
: You will receive your card 7 to 10 business days after you are approved.
: The minimum payment is the lowest amount of money that you’re required to pay on your credit card statement each month. It is 3% of the total balance of your card, with a minimum of $20.00. It’s important to make on-time payments, even if it is a minimum payment, to maintain a higher rate of repayment and to build your credit score.
: We offer two ways to make your credit card payment: via mycardstatement.com in the Texas First Bank mobile app and in person at a TFB banking center.
: At your credit card’s expiration date, we will review your account, your relationship with us, your overall credit history, as well as other credit cards and loans. If all is in good standing, you may qualify to have your security deposit returned. Not all customers will qualify.

Ready to take the next step?

Don't miss out on the opportunity to take charge of your finances and secure yourself a brighter tomorrow.

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Secured Credit Card

Why should you choose our Secured Credit Card?

Secured Credit Card FAQs

How old do you have to be to apply for a credit card?

How long will it take to receive my credit card?

What does minimum payment mean?

How can I make a payment toward my credit card balance?

When can I expect a return on my deposit?

Ready to take the next step?