Building Credit
Build or rebuild your credit with an MHV secured credit card designed to help establish responsible credit habits and payment history.
Build your credit, one purchase at a time.
A Visa backed by your own deposit, with a path to an unsecured card.
Why a secured credit card
Everyone's credit history starts at zero, and some of us start twice. Your deposit sets your limit. You use the card, you pay on time, and your history grows. When you're ready, you move up.
Benefits of a secured credit card
Your MHV Visa comes with built-in protections and perks from Visa — at no extra cost.
Building payment history
Supporting a credit profile
Healthy money habits
Fraud protection and secure payments
Global acceptance
Travel accident insurance
Travel and business expenses
Handle your credit like a pro
eBook: Using Credit Wisely
A concise and easily understood guide, whether you are a new credit card holder or just need some guidance on managing your credit responsibly. Learn how to make credit work for you.
Coach: How Do I Build Credit?
Use credit like a tool, not a trap. Create a plan to build or boost your credit score.
What members say about their MHV cards
“The secured card helped me rebuild my credit and I just got approved for an unsecured one. Grateful.”
Your card is just the start
MHV members enjoy lower rates, higher savings yields, and a local team that knows your name.
Lower Loan Rates
Competitive rates set by a not-for-profit cooperative
No Annual Fees
Cards designed to keep more money in your pocket.
Local Decisions
Service from people in your community.
Digital Banking
Manage every card and account from one app.
Commonly asked questions about credit cards
You place a deposit that sets your credit limit, use the card for purchases, and pay on time each month. MHV reports your account to the credit bureaus, so consistent on-time payments build a positive history over time. It works the same way as an unsecured card; the deposit is what lets us approve you with little or no credit history.
The deposit required for a secured card is 125% of your credit limit.The money stays in your MHV savings account, earning dividends while it secures the card.
The Visa Platinum and Visa Secured Platinum carry a 1.99% intro APR for 12 months, then a variable APR of 14.00% to 18.00%. The Visa Signature Rewards card carries a 0% intro APR on purchases for 6 months, then a variable APR of 16.49% to 18.00%. Your rate within the range depends on your credit. See the Visa Terms & Conditions for full details.
No. All of our credit cards have no annual fee.
Yes. You can view balances, make payments, set up alerts, and lock or unlock your card directly in the MHV Mobile App.
You can mail your MHV Credit Card payment(s) to:
VISA PO BOX 37603
PHILADELPHIA, PA 19101-0603
Compare our Visa Credit Card options
*View MHV Credit Card Terms and Conditions
APR = Annual Percentage Rate. Introductory rates are subject to change and are based on creditworthiness. After the introductory period, the variable APR applies and may vary with the market based on the Prime Rate. See full Credit Card Terms and Conditions for details. Federally Insured by NCUA.
Visa® Platinum
Ideal for those looking for a card with a low interest rate
1.99% APR*
Introductory APR for 12 Months
14.00% to 18.00% APR*
Thereafter
Visa® Signature Rewards
Ideal for those looking to earn rewards for their spending
0.00% APR*
Introductory APR on Purchases for 6 Months
16.49% to 18.00% APR*
Thereafter
Secured Visa® Platinum
When you need to build or rebuild your credit
1.99% APR*
Introductory APR for 12 Months
14.00% to 18.00% APR*
Thereafter
APR = Annual Percentage Rate. 1.99% introductory APR for 12 months from account opening and billing cycles; after the introductory period, a variable APR of 13.00%–18.00% applies based on your creditworthiness. Variable APRs are based on the U.S. Prime Rate published in the Wall Street Journal. No annual fee. No balance transfer fee. Balance transfers from other Mid-Hudson Valley Federal Credit Union accounts are not eligible. Example figures on this page are illustrative only and are not an offer of credit. See the MHV Visa Credit Card Terms & Conditions for complete pricing and terms. Subject to credit approval and membership eligibility. Rates and terms subject to change.