Where Members Come First!

Student VISA Credit Cards

Establish good credit from the beginning

About Our Student VISA Program

The goal of our student VISA program is not to promote spending but rather to provide knowledge and an opportunity for our young members to learn about money management and maintaining good credit. Our program is designed for members 16 and 17 years of age, and begins with an educational seminar at our Holly Education Center located on E Holly St in Bellingham. Students are required to attend the seminar and we strongly encourage legal guardians or parent(s) to attend.

The Student Visa seminar covers many topics from the definition of credit, to credit scores, how loans work, money management skills, the benefit of a VISA card, and what to do if your card is lost or stolen. Upon successful completion of the Student VISA Seminar and either a completed application with proof of income or parent/legal guardian as co-borrower, student members will be issued a $250 Student Visa.

This card is good until age 21. However, if the loan is in good standing at the age of 18, students can apply for a $500 Classic Visa by filling out a new application with proof of income or parent/legal guardian as co-borrower.


Highlights of a WECU® VISA Classic card.

Payment Protection

With Payment Protection, you'll find comfort in knowing that an emotional tragedy doesn't have to become a financial one. Disability protection makes your monthly loan payment should you become disabled due to a covered illness or injury. Life protection reduces or pays off your eligible loan balance should you die before paying off your loan.

  • Automatic eligibility for most borrowers.
  • No medical screening.
  • Premium can be included in your loan payment.
  • Low group rates that are the same for every borrower.
  • Protection of your loan collateral and credit rating.

More information about Payment Protection (Price varies depending on selected protection and loan type.)

How to Apply

We generally offer our Student VISA Seminar every other month throughout the year. We post our classes on our website about a month in advance. If you would like to be notified when our next Student VISA class is available, let us know and we'll add you to our contact list.

Apply Now for a WECU<sup>®</sup> VISA Classic card

Credit Card Disclosures:
Interest Rates and Interest Charges
Annual Percentage Rate for Purchases and Balance Transfers
Classic: 12.9%
Annual Percentage Rate for Cash Advances
Classic: 12.9%
How to Avoid Paying Interest on Purchases
Your due date is 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee None
Transaction Fees
  • Cash Advance Fee: None
Penalty Fees
  • Late Payment Fee: 5% of minimum monthly payment, or $15.99, whichever is greater

  • NSF/Return Check Fee: $5
Other Fees
  • Foreign Transaction Fee: Up to 1% of the US dollar amount of the foreign Transaction


How We Will Calculate Your Balance: We use a method called "Average Daily Balance" (including new purchases and cash advances).

We reserve the right to amend the VISA Credit Card Agreement as permitted by law. The above rates and fees are current as of Feb 20, 2010

Click here for Visa Credit Card Agreement