How to Apply for the Greater Iowa Credit Union Secured Visa Card

If you’re looking to have a credit card with the Greater Iowa Credit Union (GICU) and you need to rebuild credit, or you’re looking for a more conservative credit option, the Greater Iowa Credit Union Secured Visa Card may be the best choice for you. Your credit limit will be established by you making a deposit of the same amount and, with this collateral, even with a low credit score you will most likely be approved.  Additionally, the interest rate (APR) is fairly low at only 15.2% (APR is subject to change).  Would you like to apply for the Greater Iowa Credit Union Secured Visa Card?  Continue reading through this guide for instruction on how to do so.

Read the GICU privacy policy before proceeding.


To be eligible for this credit card you must fulfill the following requirements:

  • Be at least 18 years old
  • Live in the United States
  • Have a valid SSN
  • Make a security deposit in the amount of your desired credit limit

How to Apply

Step 1- Go to the Greater Iowa Credit Card Suite page and select the GICU Secured Visa Card.


Step 2- If you already have a GICU account, enter your member number and last 4 digits of your SSN, then click continue.  If not, just click continue.

Step 3- Enter the following personal information:

  • Full name
  • SSN
  • Email address
  • Date of birth
  • Home/work/cell phone #
  • Select best contact
  • Indicate yes or no if you are a GICU employee
  • Enter the information of the person who referenced you, if applicable


Step 4- Click on the pull down menu and select the GICU Secured Visa Card.gicu apply 4

Step 5- You will now have the option to read, download and/or print the APR Terms and Conditions and Consumer Card Agreement.  Click continue.


Step 6- Provide the following location information:

  • Complete street address
  • ZIP code
  • City
  • State
  • Time spent at said address


Step 7- Provide the following employment information:

  • Whether or not you are retired
  • Whether or not you are in active military service
  • Whether or not you are unemployed
  • Employer name
  • Position
  • Street address of your workplace
  • ZIP code
  • City
  • State
  • Work telephone number
  • Number of years and months you’ve worked at this job


Step 8- Provide the following financial information:

  • Living status
  • Monthly housing cost (including taxes, insurance, parking cost, etc)
  • Other monthly costs
  • Declare your monthly or annual amployment income
  • Monthly SS income
  • Monthly pension income
  • Monthly child support (you are not required to declare)


Step 9- Select whether or not you would like to add a co-applicant.


Step 10- Review all your information for any mistakes then click continue.


Step 11- Read the terms and conditions and consumer card agreement for the GICU Secured Visa Card.  If you wish to submit your application, tick the box that indicates you agree to the terms and conditions then click Submit Application for Approval.