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MyPlan Secured Card

Take the first step to rebuild your credit.

Build or rebuild your credit with a share-secured card that helps you spend what you can afford. Your credit limit equals the balance in the account you pledge as collateral (minimum of $500) with a low annual fee of $25.

You can build your credit if you are just starting out, upgrade to an unsecured card after establishing a responsible credit history and you can rebuild your credit after challenges occur!

MyPlan Secured Credit Card

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Same day reissue for new accounts and damaged cardsZero Liability when you notify us promptly at 800.854.9846
Low Annual Fee of $25Mastercard ID Theft ProtectionTM
Great for studentsChip technology
 Travel and text alerts
 Cash Advances

Manage Credit Cards with Online Banking

Check balances, make payments, set alerts, and more.

It’s easy and secure.

Enroll in Credit Card eStatements

View and download eStatements to reduce your risk of mail fraud and identity theft.

Debt Cancellation Protection1

This protection helps cover all, or a portion of, your credit card and auto loan debts in case of death, disability, or involuntary unemployment.

*APR = Annual Percentage Rate. Rates for purchases, cash advances, and balance transfers may vary and are subject to change. This is Kinecta’s most recent published rate.


Subject to credit approval. You must be 18 years old to qualify (19 in AL and NE).

Kinecta cardholders with an existing credit card are not eligible for a second credit card of the same type.

1Debt Cancellation Protection. Available for personal credit cards and auto loans and is optional. Debt Cancellation will not affect your application for credit or the terms of any existing credit agreement with Kinecta. There are eligibility requirements and exclusions that could prevent you from receiving benefits under Debt Cancellation. For a full explanation of terms and conditions, contact a Kinecta branch or call our Member Contact Center at 800.854.9846.

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Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.