The Shield Secured Card helps you build credit history.
Backed by your own deposit.
Your credit limit is based on your account balance.
Never spend money you don't have.
Stay in control and skip the debt spiral of a traditional card.
Reports to the major bureaus.
On-time payments reports that may help you build credit.⁴
No annual fee.
Download the VetraFi app and open your account.
Spend money on everyday purchases with your Shield Secured Card.
Turn on autopay so your balance is paid on time, every time.
We report up to two on-time payments per statement cycle to the major credit bureaus.⁴
High-Yield Savings Account
Your savings shouldn't have to work as hard as you do.
No monthly fees, no minimum balance, and no cap on what you earn. Your money compounds while you focus on what matters.
Learn MoreHigh-yield savings APY vs. other popular banks & credit unions
Open your account in under 2 minutes, right from your phone. No paperwork, no branch, no waiting room.
You'll need some basics like your name and date of birth to verify your identity.
New to service? Submit your SF-1199A. Active duty? Use myPay. Not in service? Grab your routing and account numbers in the app.
Securely link your existing bank with Plaid and transfer money in.
Build credit with the Shield Card,⁴ and grow your savings with VetraFi's HYSA. Let's build out Financial Fitness together.
Why wait for it? Set up direct deposit in the VetraFi app and get your pay up to 2 days early.
Use any ATM nationwide. We reimburse fees up to $15 per statement cycle, so you spend less time hunting for your machine and more time on what matters.
Freeze your card instantly in the VetraFi app to stop new purchases and ATM withdrawals.
Log in securely with Face ID.
Get an alert if we spot suspicious activity.
Your deposits are held at First Bank of the Lake and are eligible for pass-through FDIC insurance up to $250,000.
VetraFi is a banking platform on a mission to help the military community earn more.
Money moves for every stage of military life, from joining the service to transition out and beyond.
See the truth in real time. No digging. No guessing.
Yet, the traditional military banks1 are still stuck in the past. VetraFi is built for service members like you, who need modern financial tools.
Designed for the reality of your way of life.
Run everything from your phone, no branches, no delays.
