Personal VISA Credit Cards

Get what you need with 1% cash back

Highlights of a WECU® VISA

  • 1% cash back reward on purchases
  • No annual fee
  • Low annual percentage rate (APR)
    • VISA Classic 12.9% APR
    • VISA Platinum 9.5% APR
  • No-Fee Balance Transfers
  • Cash advances by telephone at 360.676.1168 or 800.525.8703
  • Low monthly payments
  • Travel accident insurance ($250,000 Classic / $500,000 Platinum) when you purchase travel tickets with your VISA
  • Basic Protection Package (for Platinum cards)
  • Auto Rental Collision Damage Waiver (for Classic cards)
  • Withdraw up to $500 every 24 hours at ATMs
  • Secure online shopping with Verified by Visa
  • Optional Payment Protection available
  • Easy access to your loan accounts with E-Max online banking and Tele-Max audio response
  • Local service you can trust
  • Additional security -we participate in Verified by Visa, a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction. For more information about Verified by Visa click the Verified by Visa logo at the bottom right of the page.

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.)

Limit Increases

To request a credit limit increase on your WECU® VISA, simply fill out an application. Use the same account number on which you already have a VISA, and we'll evaluate your request on your existing VISA. If you have any questions, please call our full service call center. We can get you started with your limit increase right over the phone.

Apply Now for a WECU<sup>®</sup> VISA

Credit Card Disclosures:
Interest Rates and Interest Charges
Annual Percentage Rate for Purchases and Balance Transfers
Classic: 12.9%
Platinum: 9.5%
Annual Percentage Rate for Cash Advances
Classic and Platinum: 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 interest on current purchases if you pay the New Balance for Purchases 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