Secured Visas

Helping you get back on track.

If you're looking to build your credit or you would like a credit card a secured Visa from WECU® is a great option. Using existing savings funds as security, WECU® can offer a Visa Classic Card at 12.9% APR with a 1% cash back bonus on all purchases at the end of each year.

The nuts and bolts of WECU's secured cards

  • Tell us how much you would like your limit to be and we'll "freeze" that amount in your savings account using this as collateral for your credit card.
  • Continue to earn high dividends on your savings account balance even though you are unable to use the funds.
  • Helps to build your credit and solidifies your payment relationship with WECU®.
  • No annual fee.
  • Fixed rate of 12.9% and a 1% cash back bonus at the end of each year.
  • Optional Payment Protection available.
  • Please note that the application process for secured Visas includes pulling your credit report and obtaining your financial information. Although this is a secured loan, we must still ensure that you can afford to make the payments.

Highlights of a savings secured loan at WECU:

  • Automatic payment options.
  • No-Fee Balance Transfers
  • Easy access to your loan or Visa accounts with Online Banking and Tele-Max audio response.
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 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
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
Visa Credit Card 1% cash back award