Let’s credit union.
WSECU Create® Visa®
- 0.25% rate decrease with on-time paymentsRate decrease diclosure**
- 20.50% APRRate decrease diclosure†
- $250 - $2,500 credit limit
Let’s credit union.
WSECU Create® Visa®
- 0.25% rate decrease with on-time paymentsRate decrease diclosure**
- 20.50% APRRate decrease diclosure†
- $250 - $2,500 credit limit
Let the credit building begin.
No credit history? This card’s for you. Start building your future you by establishing your credit with our WSECU Create Visa card. After six months of on-time payments, we'll even lower your interest rate.Rate decrease diclosure** With less interest and no annual fee, that's more money to save for what’s next.
Pay on time. Lower your interest rate.
Annual percentage rate†
20.50%
Earned rate decrease**
0.25%
Credit limit
$250 - $2,500
Get rewarded for on-time payments
-
1
Make on-time payments for 6 months
-
2
See your rate drop 0.25%
-
3
Repeat until you reach a 2% reduction
Frequently asked questions
The WSECU Create Visa card helps establish credit history. With opportunities to lower your rate and a tiered late payment system, it is designed to encourage good credit habits that will support a healthy credit score in the future.
For every six months of on-time payments, your rate will drop 0.25%, until you reach a 2% reduction.
No. Rates are not raised for missed payments. However, the six-month period for making on-time payments to earn a rate reduction will reset.
Why choose WSECU?
A credit card from WSECU means membership in a not-for-profit credit union that's driven by members and dedicated to their financial well-being. From today's small transactions to tomorrow's big financial goals, we'll be there for you.
First time applying for a credit card?
Here are some helpful tips to help you get started on the right foot.
Interest Rates and Interest Charges
- Annual Percentage Rate (APR) for Purchases & Cash Advances: 20.50%
This APR will vary with the market based on the Prime Rate*. - APR for Balance Transfers**: 20.50%
This APR will vary with the market based on the Prime Rate*. - Paying Interest
Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases or balance transfers if you pay your entire new purchase or balance transfer balance by the due date each month. We will begin charging interest on cash advances on the date the cash advance is posted to your account. - Minimum Interest Charge: None
Fees
- Fees to Open or Maintain your Account
- Annual Fee: None
- Application Fee: None
- Transaction Fees
- Balance Transfer: None
- Cash Advance: 2% of the amount advanced up to $25.00
- Foreign Transaction: None
- Penalty Fees
- Over-the-Credit Limit: None
- Returned Payment: None
- Late Payment: First time payment is late: $10.00 or your minimum payment required, whichever is less. Second time payment is late: $20.00 or your minimum payment required, whichever is less. All subsequent late payments: $25.00 or your minimum payment required, whichever is less.