Which Tidemark credit card is right for me?

That depends on your credit history, spending needs, and financial goals. Tidemark offers credit card options for everyday use, first-time credit users, and members who may benefit from a secured card.

What is the difference between a credit card and a secured credit card?

A standard credit card is unsecured, while a secured credit card is backed by funds you deposit as security. Secured cards can be helpful for members building or rebuilding credit.

Can a secured credit card help me build credit?

A secured credit card may help you build credit when used responsibly. This means making payments on time, keeping balances manageable, and understanding how the card reports to credit bureaus.

What is a first-time credit card?

A first-time credit card is designed for members who may be newer to credit and want a starting point for responsible credit use.

Can I transfer a balance to a Tidemark credit card?

If balance transfers are available for the card you choose, review the current terms, rate, and fees before transferring a balance.

What should I look at before choosing a credit card?

Look at the APR, fees, credit limit, payment requirements, secured deposit requirements if applicable, and how you plan to use the card.

Where do I apply for a Tidemark credit card?

You can apply online anytime by completing our credit card application. Click on this application link to get started.

Credit Cards That Work for You

Your credit card should support how you spend, borrow, and build credit. Tidemark offers VISA® Credit Card options for everyday purchases, balance transfers, credit-building goals, and members getting started with credit.

Apply for a Credit Card

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Why Choose a Tidemark Credit Card?

Everyday spending and balance transfers

Use your Tidemark Visa for daily purchases, planned expenses, or to roll existing balances into one clear payment at a competitive rate.

Support for your credit journey

Whether you are building credit for the first time or working to strengthen your score, Tidemark has a card designed to help you move forward.

Know your terms before you apply

Your rate, credit limit, and cardholder agreement are clearly disclosed so you can make a confident decision before you apply.

Visa Credit Card

The Tidemark VISA® Credit Card can help members manage everyday purchases, cover planned expenses, or keep a flexible payment option available when needed.

Competitive variable rate that adjusts quarterly based on Prime.
No balance transfer fee, making it simple to consolidate existing card balances.
Access cash advances conveniently at any Tidemark branch, Tidemark Teller Machines, or participating ATM. Fees may apply for cash advance transactions.

Apply for a Visa Credit Card

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Visa Rates

Rates Effective Starting: 07/01/26

Visa Type	APR* as low as i APR (Annual Percentage Rate) All loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and credit score. Rates shown may not apply to every borrower.
Visa®	11.50% ⁽¹⁷⁾⁽¹⁹⁾
Visa® Secured	6.75% ⁽¹⁷⁾⁽¹⁹⁾
Visa® Platinum Student	11.50% ⁽¹⁷⁾⁽¹⁹⁾
Visa® Platinum Student Secured	6.75% ⁽¹⁷⁾⁽¹⁹⁾

Secured Credit Card

A Secured Credit Card can be a helpful tool for members who want to establish or rebuild credit.

Designed for members focused on building or rebuilding their credit profile.
A refundable security deposit is required to open the account.
Your credit limit is determined by the amount you secure with savings. For example, a $1,000 credit limit requires a $1,200 savings pledge.
On-time payments are reported to the credit bureaus, helping you build a positive credit history over time.

Apply for a Secured Credit Card

View Credit Card Rates

Shared Secure Loan Rates

Rates Effective Starting: 07/01/26

Product	APR* as low as i APR (Annual Percentage Rate) All loans are subject to credit approval and are granted based on individual creditworthiness, the ability to repay and credit score. Rates shown may not apply to every borrower.
Share Secured	3.00% above TFCU dividend rate; adjusted with dividend rate ⁽¹⁶⁾
Certificate Secured	3.00% above TFCU dividend rate; adjusted with dividend rate ⁽¹⁶⁾
Credit Builder	6.00%

First-Time Visa

The First-Time Visa is designed for beginner borrowers who may not have a credit history or guarantor.

A great starting point for members without an existing credit history or guarantor.
Start with a credit line of up to $500.
Credit limit increases may become available as you demonstrate on-time payments over time
As your credit profile strengthens, you may become eligible to transition to a standard Tidemark Visa.

Apply for a First-Time Visa

View Credit Card Rates

What Our Members Are Saying

Real experiences from people who trusted Tidemark with one of life’s biggest decisions.

Visa Card Protection

Shop anywhere and access cash anytime with greater peace of mind knowing your VISA® is protected.

Activate Your Visa Card

Call 800-290-7893 (Local) or 206-624-7998 (International) to activate a Visa card.

PIN Management

Reset a PIN by calling the numbers 800-290-7893 (Local) or 206-624-7998 (International) and verifying information on file. Make sure you are calling from a phone number we have on file for you.

The following details are required:

Full Card Number
Last 4 of primary member SSN
Zip code on file
3-digit CVV code

Let’s Take the Next Step Together

Find the credit card option that fits your goals and apply online when you are ready.

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Credit Card FAQs

Loan Rates Disclosures

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¹Rates displayed are "as low as" for Primary residence purchase loans. Displayed rates include discount points. Rates are subject to change. Rates vary based on creditworthiness, loan-to-value (LTV), occupancy, property type and loan purpose, and/or other factors. Down payment and loan-to-value (LTV) requirements may vary depending on the occupancy, property type, loan purpose, your creditworthiness, and/or other factors. All loans subject to credit approval.

²A fixed-rate loan of $256,000 for 30 years at 6.500% interest and 6.568% APR will have a monthly payment of $1,618.09. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. Discount points are included. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A fixed-rate loan of $256,000 for 20 years at 6.250% interest and 6.339% APR will have a monthly payment of $1,871.18. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. Discount points are included. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A fixed-rate loan of $256,000 for 15 years at 5.750% interest and 5.859% APR will have a monthly payment of $2,125.85. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. Discount points are included. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

³Adjustable Rate Mortgages (ARM) are variable, and your Annual Percentage Rate (APR) may increase after the original fixed-rate period. The First Adjustment is based on the one-year Constant Maturity Treasury (CMT) index, plus a margin, rounded to the nearest 1/8 percent. The annual rate cap is 2%; lifetime cap 6%. Properties limited to the Delmarva Peninsula. All loans subject to credit approval.

⁴Loan amounts above $600,000 may require PMI.

⁵A 5/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 6.000% interest and 6.053% APR will have a monthly payment of $1,918.56. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A 7/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 6.250% interest and 6.303% APR will have a monthly payment of $1,970.30. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A 10/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 6.500% interest and 6.554% APR will have a monthly payment of $2,022.62. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

⁶A 10/1 Adjustable Rate Mortgage (ARM) $320,000 for 30 years at 7.000% interest and 7.094% APR will have a monthly payment of $2,128.97. Payments are interest only during construction based on amount advanced. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $2,998 loan origination, processing, and construction admin fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

A fixed-rate loan of $320,000 for 30 years at 7.000% interest and 7.094% APR will have a monthly payment of $2,128.97. Payments are interest only during construction based on amount advanced. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $2,998 loan origination, processing, and construction admin fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of a single-family primary residence, 780 FICO, down payment of 20% up to the conforming loan amount limit.

⁷Rates displayed are "as low as" for purchase loans. Rates are subject to change. Rates vary based on creditworthiness, loan-to-value (LTV), and/or other factors. Contact us for terms for refinances. All loans subject to credit approval.

⁸Adjustable Rate Mortgages are variable, and your Annual Percentage Rate (APR) may increase after the original fixed-rate period. The First Adjustment is based on the one-year Constant Maturity Treasury (CMT) index, plus a margin, rounded to the nearest 1/8 percent. The annual rate cap is 2%; lifetime cap 6%. Minimum loan amount $50,000. Maximum Loan amount $600,000, 80% Loan to Value. All loans subject to credit approval.

⁹A 10/1 Adjustable Rate Mortgage (ARM) $320,000 for 20 years at 6.625% interest and 6.697% APR will have a monthly payment of $2,409.44. Taxes and insurance not included; if applicable, actual payment will be greater. Includes $1,798 loan origination fee and processing fees. All loans subject to credit approval. Loan assumptions: Advertised rate assumes the purchase of unimproved land, 780 FICO, down payment of 20% up to the conforming loan amount limit.

¹⁰ Rates displayed are "as low as" for primary residence only. Rates are subject to change. Rates vary based on creditworthiness, loan-to-value (LTV), and/or other factors. All loans subject to credit approval.

¹¹ Net appraised value is appraised value less 1st lien balance. Limited to Loans in the Delmarva Peninsula. If TFCU is not first lien holder, the loan amount is limited to 80% LTV. Minimum loan amount $25,000. Maximum $400,000. Other terms available if TFCU is first lien holder. Primary residence only. Additional limitations may apply.

¹² Rate changes monthly based on Prime Rate as published in the Wall Street Journal plus a margin. Interest only payments are made during the 10-year draw period then the remaining balance is amortized over 15 years.

¹³

¹⁴ Home Equity Line of Credit (HELOC) with interest only payments at 6.750%, Prime interest and 6.798% APR would require a minimum monthly payment of $5.63 per $1,000.00 borrowed during the draw period. Taxes and insurance not included. Includes a $299 loan processing fee. All loans subject to credit approval. Loan assumptions: Advertised rate assumes cash-out on a single-family primary residence, 780 FICO, minimum 20% equity up to the conforming loan amount limit.

A fixed-rate loan of $100,000 for 20 years at 7.125% interest and 7.164% APR will have a monthly payment of $782.82. Taxes and insurance not included. Includes a $299 loan processing fee. All loans subject to credit approval. Loan assumptions: Advertised rate assumes cash-out on a single-family primary residence, 780 FICO, minimum 20% equity up to the conforming loan amount limit.

¹⁵ Rates may vary based on term, down payment, credit worthiness and age of unit.

¹⁶ Rates are 3% above share/certificate dividend rate; adjusted with the dividend rate. For share secured loan funds must be held in the Prime Share. Retirement certificates are not eligible to be pledged.

¹⁷ Variable rate adjusted quarterly based on Prime.

¹⁸ Variable rate adjusted monthly based on Prime.

¹⁹ Rates based on the Prime Rate of 07/01/2026 (Visa®)

²⁰ Rates based on the Prime Rate of 06/17/2026 (Line of Credit)

^ANew Vehicles are defined as the two (2) most recent model years that have not been previously titled and include automobiles, trucks, and vans. Rates, terms, and financing are subject to credit approval and may vary based on creditworthiness, loan term, loan-to-value ratio, down payment, and other underwriting factors. Not all applicants will qualify for the lowest available rate. Additional restrictions and conditions may apply.

^BUsed Vehicles are defined as automobiles, trucks, and vans that have been previously titled and are up to fifteen (15) model years old. Rates, terms, and financing are subject to credit approval and may vary based on creditworthiness, loan term, loan-to-value ratio, down payment, vehicle age, and other underwriting factors. Not all applicants will qualify for the lowest available rate. Additional restrictions and conditions may apply.

^CRecreational Vehicles (RVs) and Boats are eligible for financing if they are within the most recent ten (10) model years. Boat financing must include the boat hull and all associated motor(s). A trailer may be included as part of the financing package when applicable. Rates, terms, and financing are subject to credit approval and may vary based on creditworthiness, loan term, loan-to-value ratio, down payment, collateral type, age of collateral, and other underwriting factors. Not all applicants will qualify for the lowest available rate. Additional restrictions and conditions may apply.

^DMotorcycles are eligible for financing if they are within the most recent ten (10) model years and include motorcycles, sport bikes, cruisers, touring motorcycles, trikes, and similar street-legal powersport vehicles. Rates, terms, and financing are subject to credit approval and may vary based on creditworthiness, loan term, loan-to-value ratio, down payment, collateral type, age of collateral, and other underwriting factors. Not all applicants will qualify for the lowest available rate. Additional restrictions and conditions may apply.

^EClassic Automobiles are eligible for financing if they are at least twenty-five (25) years old and meet the current J.D. Power definition of a classic vehicle. The vehicle must remain substantially consistent with its original factory design and configuration and may not be undergoing restoration at the time of application. Borrowers are required to provide current photographs of the vehicle for eligibility verification. Rates, terms, and financing are subject to credit approval and may vary based on creditworthiness, loan term, loan-to-value ratio, down payment, vehicle condition, and other underwriting factors. Not all applicants will qualify for the lowest available rate. Additional restrictions and conditions may apply.

^FPowersport vehicles are eligible for financing if they are within the most recent four (4) model years and include All-Terrain Vehicles (ATVs), Utility Task Vehicles (UTVs), and Personal Watercraft (PWCs). Personal Watercraft financing must include a trailer as part of the collateral package. Rates, terms, and financing are subject to credit approval and may vary based on creditworthiness, loan term, loan-to-value ratio, down payment, collateral type, age of collateral, and other underwriting factors. Not all applicants will qualify for the lowest available rate. Additional restrictions and conditions may apply.

Rates are subject to change without notice and are accurate as of the date listed above. Additional rates and terms may apply. Members may contact any Credit Union staff member for details on applicable fees and terms. The rates shown apply only to new money and new loans with Tidemark Federal Credit Union. Existing Tidemark loans may not qualify for the advertised rates if refinanced internally. Rate eligibility is determined by multiple factors, including loan type, creditworthiness, and the terms of the current loan agreement.