Members Have Earned
Over 3,000,000 Points

With WECU Member Rewards, earn points with everyday purchases and redeem them for cashback, travel, gift cards and more! Learn how to make the most of your rewards.

Do what you love and get rewarded.

Earn as many points as you want, with absolutely no limits! And the best part? They’ll never expire!

How to Earn

Maximize Rewards

Make the most of your rewards when you choose WECU for all of your banking needs. We reward loyal members every day for savings, spending, and borrowing.

Spend Plus Checking

Earn 1 point for every $20 spent with your Spend Plus debit card.

We even pay you for your loans!

• Personal Term Loan: 10 points per every $1,000
• Direct Auto Loan: 10 points per every $1,000
• Indirect Auto Loan: 10 points per every $1,000
• Home Equity Loan: 10 points per every $1,000
• Mortgage Fixed Rate Loan: 250 points per month
• Mortgage Adjustable Rate Loan: 250 points per month

WECU Lux Visa

Watch your points grow. Earn 3 reward points per every $1 spent in qualifying categories including dining/brewery, entertainment, streaming services, and home improvement. Earn 1 reward point for every $1 spent on all other qualifying transactions.

Apply today to get 25K* bonus points and 0% APR** for 12 months.

Choice Visa

With the WECU Choice Visa, earn 1.5 reward points for every $1 spent. Get rewarded for everyday purchases.

Worry free travel with no international transaction fees.

Points don't expire!

Treat yourself

You Earned It

Redeem rewards for travel, cashback, gift cards, and more!

Cash Back

Get funds as a statement credit or deposited into your WECU savings or checking account.

Gift Cards

Redeem points for gift cards to your favorite retailers like Amazon, Best Buy, Home Depot and more.


Redeem points for merchandise from your favorite retailers like Apple, North Face, Dooney & Bourke, and more.


Book your trip or get gift cards to Uber,, Carnival, Southwest, and Delta.


Catch a game, go to a concert, attend a play, drive an exotic car, even fly a plane. Choose from many unique experiences.


Support the greater good by choosing to designate your funds to charity. Over 1000 charities to choose from.

Gift Point Rewards

Give back to your loved ones. Gift points to friends and family.


Save at the pump in real-time at Shell stations.

Frequently Asked Questions


1. How frequently are the points credited to my member rewards account?

Spend Plus Checking Account points are awarded monthly at the beginning of each calendar month. Choice Visa Credit Card & Lux Signature Visa Cards are credited points daily.

2. What if I have multiple rewards accounts?

All rewards will be credited to the same member rewards profile.

3. How do I view my rewards?

Member rewards can be accessed through online or mobile banking.

4. Is there a minimum number of points required for redemption?

The minimum redemption amount is 2,500 points ($25 value).

View other common FAQs here.


Contact Us

Do you have questions on how to earn or redeem member rewards? We’d love help. Contact us at 360-676-1168.

Monday - Friday from 8:00AM - 6:00PM PST
Saturday from 9:00AM - 1:00PM PST


View the full Member Rewards Terms and Conditions here.

*To receive 25,000 bonus points, you must spend $2,500 on your WECU Lux Visa in the first 90 days.

**0% Intro APR for 12 months on purchases and balance transfers. Balances transferred from existing WECU cards do not qualify. 12-month period ends after 12 statement cycles. After 12 months, variable rate of 19.15% APR – 26.15% APR will apply, depending on creditworthiness. Rates and terms subject to change at any time without notice

We are excited to help you on your home ownership journey!

The first step is to create an account for your customized Real Estate experience.

Create Account