Secured MasterCard

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Whether it's your first credit card, or you're recovering from past credit troubles, Austin FCU's secured MasterCard can help you build credit with a fixed interest rate and no fees.

• No annual fee
• Enjoy increased purchasing power; accepted virtually everywhere, worldwide
• Fixed interest rate of 15.90% APR*
• After 12 months apply to have your card unsecured
• Make Payments to your credit card within your Austin FCU online banking or through our secure payment portal
• Monitor transactions, set alerts and turn your card on and off with the CardNav App
  • CardNav on the Google Play StoreGet it on Google Play
  • CardNav on the App Store
• Easily replaced if lost or stolen
• Have a card already and want to apply for a credit limit increase? Click here.

*APR is Annual Percentage Rate. Fixed APR is 15.90% APR with 120% of credit line secured in an Austin FCU Share(Savings) account.

We utilize a service called FALCON to monitor member transactions for fraud. Each time you swipe your card, your transaction is assigned a fraud score based on amount, location, type of terminal, and many other factors. If that score is high enough, you will receive a call or text from our Fraud Department asking you to verify the transaction. In special cases, if the fraud score on a transaction is high enough, your card may be shut down immediately.

If your card has been restricted after-hours, please contact the Fraud Department directly to resolve the case at 888-241-2440. Unfortunately, if your card has fraud on it, we are unable to re-activate the card and will need to order you a new one. Please note FALCON will score transactions high if they are outside your geographical area, see Travel Notice for more info.

In order to receive Text Alerts Austin FCU must have your cell phone number on file. Log into No-line Banking in order to update your contact information.

If a transaction has cleared your account that you did not authorize, or you have attempted to dispute a transaction with a merchant but have been unsuccessful, please click the link below to initiate a credit card dispute.

If a transaction has cleared your account that you did not authorize, please call (888) 241-2510 immediately to cancel your credit card. Then proceed to the transaction dispute form.

An Austin FCU MSR will contact you via email in one to two business days regarding your responses to the form, and let you know what your next steps should be. Please keep in mind, that a dispute with Austin FCU does not supersede any agreement you may have made with a merchant, and should only be used in situations where no authorization was given, or where you have already communicated with the merchant regarding the dispute.

If you have any questions, please feel free to give us a call at (512) 444 - 6419 or (800) 950-8143.

Click here to proceed to the Transaction Dispute form.