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How does the Secured Credit Card work?

Our Secured Credit Card is backed up by your savings account⁠—that’s why it doesn’t require any existing credit to open. Here’s how it works:

You set aside funds in a special savings account.
The money you set aside determines your credit limit. So if you set aside $500, you’ll have a $500 credit limit.
You make monthly payments, just like any other credit card.
You build (or repair) your credit. Your on-time payments count towards your positive payment history, just like a regular credit card.

Fraud Alert Zing CU will NEVER call you and ask you for your online banking login information, MFA codes, or other personal information. Do not share this info.