Visa Credit Cards
WECU Visa credit cards offer rewards, cash back, no-fee balance transfers, and more! Check out all of our options today.
WECU Rates
| Account Type | Standard APY¹ | With Spend Plus Checking APY | Minimum Opening Balance | Dividends Compounded & Credited | Dividend Period² |
|---|---|---|---|---|---|
| First Step Savings³ | 7.00% on first $500 | N/A | $1* | Quarterly | Quarterly |
| Stash (Emergency) Savings⁴ | 6.00% on first $2500 | N/A | $1* | Monthly | Monthly |
| Regular Savings | 0.10% | N/A | $1* | Quarterly | Quarterly |
| High Yield Plus Savings⁵ ($500,000.01+) | 2.75% | 3.75% | $1* | Monthly | Monthly |
| High Yield Plus Savings⁵ ($100,000.01-$500,000.00) | 2.50% | 3.25% | $1* | Monthly | Monthly |
| High Yield Plus Savings⁵ ($50,000.01-$100,000.00) | 2.25% | 3.00% | $1* | Monthly | Monthly |
| High Yield Plus Savings⁵ ($0 - $50,000.00) | 0.01% | 0.50% | $1* | Monthly | Monthly |
| Money Market ($100,000+) | 2.50% | N/A | No Minimum | Monthly | Monthly |
| Money Market ($0-$99,999) | 0.50% | N/A | No Minimum | Monthly | Monthly |
| Health Savings (HSA) | 0.10% | N/A | No Minimum | Quarterly | Quarterly |
| Trust, Estate, or IRA Savings | 0.50% | N/A | No Minimum | Quarterly | Quarterly |
| Account Type | Standard Dividend Rate¹ | Standard APY² | Minimum Opening Balance | Minimum Daily Balance | Dividend Schedule³ | Monthly Fee |
|---|---|---|---|---|---|---|
| Spend Plus⁵ | 7.72% on first $5,000 | 8.00% on first $5,000 | $1 | $0 | Monthly | $0 |
| Spend Free | N/A | N/A | $1 | $0 | N/A | $0 |
| Spend Safe | N/A | N/A | $1 | $0 | N/A | $0 |
| First Step Checking⁴ | 6.78% on first $250 | 7.00% on first $250 | $1 | $0 | Monthly | $0 |
| Certificate Term | Dividend Rate¹ | APY² | Minimum Opening Balance | Early Withdrawal Penalty |
|---|---|---|---|---|
| 6 months | 3.70% | 3.75% | $500 | 90 days' dividends |
| 6 months add-on3 | 3.55% | 3.60% | $50 | 90 days' dividends |
| 12 months | 3.45% | 3.50% | $500 | 180 days' dividends |
| 12 months add-on3 | 3.31% | 3.35% | $50 | 180 days' dividends |
| 18 months | 3.45% | 3.50% | $500 | 180 days' dividends |
| 24 months | 3.45% | 3.50% | $500 | 180 days' dividends |
| 30 months | 3.21% | 3.25% | $500 | 180 days' dividends |
| 36 months | 3.21% | 3.25% | $500 | 180 days' dividends |
| 48 months | 2.97% | 3.00% | $500 | 360 days' dividends |
| 60 months | 2.97% | 3.00% | $500 | 360 days' dividends |
| Account Type | Dividend Rate¹ | APY² | Minimum Opening Balance | Early Withdrawal Penalty |
|---|---|---|---|---|
| IRA Savings | 0.50% | 0.50% | N/A | N/A |
| 6 month IRA Certificate | 3.70% | 3.75% | $500 | 90 days' dividends |
| 12 month IRA Certificate | 3.45% | 3.50% | $500 | 180 days' dividends |
| 18 month IRA Certificate | 3.45% | 3.50% | $500 | 180 days' dividends |
| 24 month IRA Certificate | 3.45% | 3.50% | $500 | 180 days' dividends |
| 30 month IRA Certificate | 3.21% | 3.25% | $500 | 180 days' dividends |
| 36 month IRA Certificate | 3.21% | 3.25% | $500 | 180 days' dividends |
| 48 month IRA Certificate | 2.97% | 3.00% | $500 | 360 days' dividends |
| 60 month IRA Certificate | 2.97% | 3.00% | $500 | 360 days' dividends |
| Loan Type | Rate* | Points | APR** | Example Loan | Monthly Payment*** | effective date |
|---|---|---|---|---|---|---|
| 30-Year Fixed | 6.000% | 0.875% | 6.142% | $300,000 | $1,798.65 | 11/6/2025 |
| 15-Year Fixed | 5.375% | 0.875% | 5.605% | $300,000 | $2,431.40 | 11/6/2025 |
| 7-Year ARM | 5.250% | 0.875% | 6.218% | $300,000 | $1,656.61 | 11/6/2025 |
| 30-Year Fixed Invest | 6.875% | 0.875% | 7.006% | $300,000 | $1,970.79 | 11/6/2025 |
| Jumbo 30-Year Fixed | 6.000% | 1.000% | 6.135% | $900,000 | $5,395.95 | 11/6/2025 |
| Jumbo 15-Year Fixed | 5.375% | 1.000% | 5.593% | $900,000 | $7,294.19 | 11/6/2025 |
| 7-Year Jumbo ARM | 5.125% | 0.875% | 6.058% | $900,000 | $4,900.38 | 11/6/2025 |
| Loan Type | Rate* | Points | APR** | Example Loan | Monthly Payment*** | effective date |
|---|---|---|---|---|---|---|
| 30-Year Fixed | 6.000% | 1.000% | 6.145% | $300,000 | $1,798.65 | 11/6/2025 |
| 15-Year Fixed | 5.375% | 0.875% | 5.590% | $300,000 | $2,431.40 | 11/6/2025 |
| 7-Year ARM | 5.250% | 1.000% | 6.200% | $300,000 | $1,656.61 | 11/6/2025 |
| 30-Year Fixed Invest | 6.875% | 1.000% | 7.008% | $300,000 | $1,970.79 | 11/6/2025 |
| Jumbo 30-Year Fixed | 6.125% | 0.625% | 6.221% | $900,000 | $5,468.49 | 11/6/2025 |
| Jumbo 15-Year Fixed | 5.500% | 0.625% | 5.652% | $900,000 | $7,353.75 | 11/6/2025 |
| 7-Year Jumbo ARM | 5.125% | 1.000% | 6.052% | $900,000 | $4,900.38 | 11/6/2025 |
| Loan Type | Rate* | Points | APR** | Example Loan | Monthly Payment*** | effective date |
|---|---|---|---|---|---|---|
| 1-20 Year Fixed Rate (Primary Residence) | 6.750% - 9.000% | 0.000% | 6.895% - 9.525% | $50,000 | $380.18 - $1,037.92 | 11/6/2025 |
| 1-20 Year Fixed Rate (Second Home) | 7.750% - 10.000% | 0.000% | 7.907% - 10.548% | $50,000 | $410.47 - $1,062.35 | 11/6/2025 |
| 1-20 Year Fixed Rate (Investment Home) | 8.750% - 11.000% | 0.000% | 8.919% - 11.571% | $50,000 | $441.86 - $1,087.12 | 11/6/2025 |
| Loan Type | Rate* | Points | APR** | Example Loan | Monthly Payment*** | effective date |
|---|---|---|---|---|---|---|
| Variable Rate HELOC (Primary Residence) | 6.750% - 9.000% | 0.000% | 6.834% - 9.096% | $50,000 | Interest Only | 11/6/2025 |
| Variable Rate HELOC (Second Home) | 7.750% - 10.000% | 0.000% | 7.839% - 10.102% | $50,000 | Interest Only | 11/6/2025 |
| Variable Rate HELOC (Investment Home) | 8.750% - 11.000% | 0.000% | 8.845% - 11.108% | $50,000 | Interest Only | 11/6/2025 |
| Fixed Rate Advance (Primary Residence) | 6.750% - 9.000% | 0.000% | 6.834% - 9.096% | $50,000 | $380.18 - $1,037.92 | 11/6/2025 |
| Fixed Rate Advance (Second Home) | 7.750% - 10.000% | 0.000% | 7.839% - 10.102% | $50,000 | $410.47 - $1,062.35 | 11/6/2025 |
| Fixed Rate Advance (Investment Home) | 8.750% - 11.000% | 0.000% | 8.845% - 11.108% | $50,000 | $441.86 - $1,087.12 | 11/6/2025 |
| Loan Type | Rate* | Points | APR** | Example Loan | Monthly Payment*** | effective date |
|---|---|---|---|---|---|---|
| VA 30-Year Fixed Purchase | 5.750% | 0.250% | 5.887% | $300,000 | $1,750.72 | 11/6/2025 |
| VA 15-Year Fixed Purchase | 5.000% | 0.250% | 5.221% | $300,000 | $2,372.38 | 11/6/2025 |
| VA 30-Year Fixed Refinance | 5.750% | 0.250% | 5.887% | $300,000 | $1,750.72 | 11/6/2025 |
| VA 15-Year Fixed Refinance | 5.000% | 0.250% | 5.221% | $300,000 | $2,372.38 | 11/6/2025 |
| Loan Type | Rate Range (APR)* |
|---|---|
| Auto and Trucks | 5.24% - 24.99% |
| Boats | 8.24% - 19.99% |
| RVs | 7.24% - 15.74% |
| Motorcycles | 7.49% - 20.49% |
| Other Secured | 8.24% - 19.99% |
| Loan Type | Rate Range (APR)* | Repayment Terms |
|---|---|---|
| Personal Signature | 8.99% - 24.99% | up to 60 months |
| Savings Secured Fixed | 4.00% | up to 36 months |
| Savings Secured Fixed | 5.00% | up to 72 months |
| Savings Secured Fixed | 6.00% | up to 120 months |
| Savings Secured Variable | 2.00% over savings rate | up to 72 months |
| Certificate Secured | 2.00% over certificate rate | same as certificate |
| Other Secured Loans | 8.24% - 19.99% | up to 60 months |
| Loan Type | Rate Range | Points Range | APR* Range | Example Loan | Estimated Monthly Payment Range |
|---|---|---|---|---|---|
| 5 Year Fixed Rate | 7.25 - 8.25% | 0.00 - 2.00% | 8.240 - 8.407% | $150,000 | $2,987.90 - $3,059.44 |
| 5 Year Balloon w/ 30 Year Amortization | 7.25 - 8.25% | 0.00 - 2.00% | 7.487 - 8.290% | $150,000 | $1,023.26 - $1,126.90 |
| 10 Year Fixed Rate | 7.75 - 8.75% | 0.00 - 2.00% | 8.288 - 8.836% | $150,000 | $1,800.16 - $1,879.90 |
| 10 Year Balloon w/ 30 Year Amortization | 7.75 - 8.75% | 0.00 - 2.00% | 7.995 - 8.791% | $150,000 | $1,074.62 - $1,180.05 |
Save your way.
Everybody’s different, so we offer a few different ways to save. Choose the one that’s right for you. Or visit us in person and we’ll figure it out together.
Designed with you in mind.
With a WECU Business Checking account, you get the tools and access that you need to manage your money on your terms.
| Certificate Term | Dividend Rate¹ | APY² | Minimum Opening Balance | Early Withdrawal Penalty |
|---|---|---|---|---|
| 6 months | 3.70% | 3.75% | $500 | 90 days' dividends |
| 12 months | 3.45% | 3.50% | $500 | 180 days' dividends |
| 18 months | 3.45% | 3.50% | $500 | 180 days' dividends |
| 24 months | 3.45% | 3.50% | $500 | 180 days' dividends |
| 30 months | 3.21% | 3.25% | $500 | 180 days' dividends |
| 36 months | 3.21% | 3.25% | $500 | 180 days' dividends |
| 48 months | 2.97% | 3.00% | $500 | 360 days' dividends |
| 60 months | 2.97% | 3.00% | $500 | 360 days' dividends |
Business Loans
Time is money. Because of that, you need partners that move at your speed – and your need. That’s why we put a premium on working with you and finding solutions that keep you on track.
Business Visa
The WECU Business Visa is a great everyday card. It’s widely accepted anywhere in the US and you earn a 1% cashback reward on purchases, plus you can transfer balances without a fee.