Visa Credit Cards
WECU Visa credit cards offer rewards, cash back, no-fee balance transfers, and more! Check out all of our options today.
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% | 4.00% | $1* | Monthly | Monthly |
High Yield Plus Savings⁵ ($100,000.01-$500,000.00) | 2.50% | 3.50% | $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 | 4.18% | 4.25% | $500 | 90 days' dividends |
6 months add-on3 | 4.04% | 4.10% | $50 | 90 days' dividends |
12 months | 3.94% | 4.00% | $500 | 180 days' dividends |
12 months add-on3 | 3.80% | 3.85% | $50 | 180 days' dividends |
18 months | 3.94% | 4.00% | $500 | 180 days' dividends |
24 months | 3.94% | 4.00% | $500 | 180 days' dividends |
30 months | 3.70% | 3.75% | $500 | 180 days' dividends |
36 months | 3.70% | 3.75% | $500 | 180 days' dividends |
48 months | 3.45% | 3.50% | $500 | 360 days' dividends |
60 months | 3.45% | 3.50% | $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 | 4.18% | 4.25% | $500 | 90 days' dividends |
9 month IRA Certificate | 3.94% | 4.00% | $500 | 90 days' dividends |
12 month IRA Certificate | 3.94% | 4.00% | $500 | 180 days' dividends |
18 month IRA Certificate | 3.94% | 4.00% | $500 | 180 days' dividends |
24 month IRA Certificate | 3.94% | 4.00% | $500 | 180 days' dividends |
30 month IRA Certificate | 3.70% | 3.75% | $500 | 180 days' dividends |
36 month IRA Certificate | 3.70% | 3.75% | $500 | 180 days' dividends |
48 month IRA Certificate | 3.45% | 3.50% | $500 | 360 days' dividends |
60 month IRA Certificate | 3.45% | 3.50% | $500 | 360 days' dividends |
Loan Type | Rate* | Points | APR** | Example Loan | Monthly Payment*** | effective date |
---|---|---|---|---|---|---|
30-Year Fixed | 6.750% | 1.000% | 6.914% | $300,000 | $1,945.79 | 2/14/2025 |
15-Year Fixed | 6.125% | 0.750% | 6.346% | $300,000 | $2,551.87 | 2/14/2025 |
7-Year ARM | 6.000% | 0.750% | 6.660% | $300,000 | $1,798.65 | 2/14/2025 |
30-Year Fixed Invest | 7.500% | 0.625% | 7.610% | $300,000 | $2,097.64 | 2/14/2025 |
Jumbo 30-Year Fixed | 6.625% | 0.750% | 6.744% | $900,000 | $5,762.80 | 2/14/2025 |
Jumbo 15-Year Fixed | 6.000% | 0.625% | 6.168% | $900,000 | $7,594.71 | 2/14/2025 |
7-Year Jumbo ARM | 5.875% | 0.750% | 6.506% | $900,000 | $5,323.84 | 2/14/2025 |
Loan Type | Rate* | Points | APR** | Example Loan | Monthly Payment*** | effective date |
---|---|---|---|---|---|---|
30-Year Fixed | 6.875% | 0.500% | 6.982% | $300,000 | $1,970.79 | 2/14/2025 |
15-Year Fixed | 6.125% | 0.750% | 6.330% | $300,000 | $2,551.87 | 2/14/2025 |
7-Year ARM | 6.000% | 0.875% | 6.639% | $300,000 | $1,798.65 | 2/14/2025 |
30-Year Fixed Invest | 7.500% | 0.750% | 7.613% | $300,000 | $2,097.64 | 2/14/2025 |
Jumbo 30-Year Fixed | 6.625% | 0.875% | 6.750% | $900,000 | $5,762.80 | 2/14/2025 |
Jumbo 15-Year Fixed | 6.000% | 0.625% | 6.158% | $900,000 | $7,594.71 | 2/14/2025 |
7-Year Jumbo ARM | 5.875% | 0.875% | 6.500% | $900,000 | $5,323.84 | 2/14/2025 |
Loan Type | Rate* | Points | APR** | Example Loan | Monthly Payment*** | effective date |
---|---|---|---|---|---|---|
1-20 Year Fixed Rate (Primary Residence) | 7.250% - 9.500% | 0.000% | 7.401% - 10.036% | $50,000 | $395.19 - $1,050.09 | 2/14/2025 |
1-20 Year Fixed Rate (Second Home) | 8.250% - 10.500% | 0.000% | 8.413% - 11.059% | $50,000 | $426.03 - $1,074.70 | 2/14/2025 |
1-20 Year Fixed Rate (Investment Home) | 9.250% - 11.500% | 0.000% | 9.425% - 12.082% | $50,000 | $457.93 - $1,099.63 | 2/14/2025 |
Loan Type | Rate* | Points | APR** | Example Loan | Monthly Payment*** | effective date |
---|---|---|---|---|---|---|
Variable Rate HELOC (Primary Residence) | 7.250% - 9.500% | 0.000% | 7.337% - 9.599% | $50,000 | Interest Only | 2/14/2025 |
Variable Rate HELOC (Second Home) | 8.250% - 10.500% | 0.000% | 8.342% - 10.605% | $50,000 | Interest Only | 2/14/2025 |
Variable Rate HELOC (Investment Home) | 9.250% - 11.500% | 0.000% | 9.348% - 11.612% | $50,000 | Interest Only | 2/14/2025 |
Fixed Rate Advance (Primary Residence) | 7.250% - 9.500% | 0.000% | 7.337% - 9.599% | $50,000 | $395.19 - $1,050.09 | 2/14/2025 |
Fixed Rate Advance (Second Home) | 8.250% - 10.500% | 0.000% | 8.342% - 10.605% | $50,000 | $426.03 - $1,074.70 | 2/14/2025 |
Fixed Rate Advance (Investment Home) | 9.250% - 11.500% | 0.000% | 9.348% - 11.612% | $50,000 | $457.93 - $1,099.63 | 2/14/2025 |
Loan Type | Rate* | Points | APR** | Example Loan | Monthly Payment*** | effective date |
---|---|---|---|---|---|---|
VA 30-Year Fixed Purchase | 6.375% | 0.250% | 6.520% | $300,000 | $1,871.61 | 2/14/2025 |
VA 15-Year Fixed Purchase | 5.625% | 0.125% | 5.835% | $300,000 | $2,471.20 | 2/14/2025 |
VA 30-Year Fixed Refinance | 6.375% | 0.250% | 6.520% | $300,000 | $1,871.61 | 2/14/2025 |
VA 15-Year Fixed Refinance | 5.625% | 0.125% | 5.835% | $300,000 | $2,471.20 | 2/14/2025 |
WECU Visa credit cards offer rewards, cash back, no-fee balance transfers, and more! Check out all of our options today.
Loan Type | Rate Range (APR)* |
---|---|
Auto and Trucks | 6.24% - 23.99% |
Boats | 8.24% - 19.99% |
RVs | 8.24% - 14.74% |
Motorcycles | 7.49% - 20.49% |
Other Secured | 8.24% - 19.99% |
Loan Type | Rate Range (APR)* | Repayment Terms |
---|---|---|
Personal Signature | 8.99% - 19.99% | 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 |
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.
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 | 4.18% | 4.25% | $500 | 90 days' dividends |
9 months | 3.94% | 4.00% | $500 | 90 days' dividends |
12 months | 3.94% | 4.00% | $500 | 180 days' dividends |
18 months | 3.94% | 4.00% | $500 | 180 days' dividends |
24 months | 3.94% | 4.00% | $500 | 180 days' dividends |
30 months | 3.70% | 3.75% | $500 | 180 days' dividends |
36 months | 3.70% | 3.75% | $500 | 180 days' dividends |
48 months | 3.45% | 3.50% | $500 | 360 days' dividends |
60 months | 3.45% | 3.50% | $500 | 360 days' dividends |
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.
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.
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