Credit Union Mortgages & Rates - Home Loans - SDFCU

Credit Union Membership - Join Today! - SDFCU

Compare Credit Union Interest Rates and CD Rates - SDFCU

Credit Union Banking Services & More - SDFCU

Individual Retirement Accounts & IRA Rates - SDFCU

Contact Us - SDFCU

Security Hub - Identity Protection & Advice - SDFCU

Credit Union Insurance Services - SDFCU

Credit Union Share Savings Accounts - High Interest & Low Fees

Banking for Americans Abroad - SDFCU

When selecting a user interface component with the keyboard, the focus indicator must 
not be completely obscured by anything in front of it.

## Why this matters

When using a keyboard, it is important that the user can see where they are on the page.
If the focus indicator is obscured, the user may not know where they are, and may not
be able to interact with the page.

## Examples

Most common examples include:

* Banners at the top or bottom of the page, such as cookie banners
* Fixed navigation bars
* Fixed footers
* Popup modals, such as cookie consent modals

## How to fix

With elements that cover part of the screen, such as cookie banners, ensure
that the user can scroll to see any content behind the banner, without having to close
the banner.

With popup modals, it should usually be impossible to focus anything behind the modal.
Most common modal frameworks will automatically trap focus within the modal, so that
this is impossible. Example: [Bootstrap Modal](https://getbootstrap.com/docs/5.2/components/modal/#live-demo).

## Further reading

This is part of the draft WCAG 2.2 specification and is subject to change.

* [WCAG 2.4.12](https://www.w3.org/WAI/WCAG22/Understanding/focus-not-obscured.html)

ensure-focus-is-not-obscured-minimum

September 2025

August 2025

State Department Credit Union

Title / URL	Issues
Credit Union Mortgages & Rates - Home Loans - SDFCUsdfcu.org/mortgages	51
Credit Union Membership - Join Today! - SDFCUsdfcu.org/membership	48
Compare Credit Union Interest Rates and CD Rates - SDFCUsdfcu.org/rates	43
Credit Union Banking Services & More - SDFCUwww.sdfcu.org/banking-services	39
Individual Retirement Accounts & IRA Rates - SDFCUsdfcu.org/iras	38
Contact Us - SDFCUsdfcu.org/contact-us	37
Security Hub - Identity Protection & Advice - SDFCUsdfcu.org/security	36
Credit Union Insurance Services - SDFCUsdfcu.org/insurance	34
Credit Union Share Savings Accounts - High Interest & Low Feessdfcu.org/savings	30
Banking for Americans Abroad - SDFCUwww.sdfcu.org/banking-for-americans-abroad	28

Ensure focus is not fully obscured

State Department Credit Union

Where this issue has occurred