Does anyone have a US Bank secured credit card and is it any good?

I'm trying to build up my credit again after going from near perfect to almost horrible (not really but that's my new credit term) after owing a cell phone company and a hospital some money. I don't owe 10s of thousands of dollars but i'd say somewhere below 3-4 grand total. I was reading all kinds of websites on finding the right card etc... (I've never had a credit card btw except for a rogers jewlers card that I never once used) and it seems my best bet is some kind of secured card through my bank. I was just wondering if anyone has the US Bank secured card and if its any good. I looked at the application and it has a 20.99% apr that can change and a 35 annual fee. Is this typically what I'm going to run into with my situation or does anyone know any other cards that would be good for me maybe based on personal experience? Thanks