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Let’s credit union.

WSECU Create® Visa®

  • 0.25% rate decrease with on-time payments**
  • 20.50% APR†
  • $250 - $2,500 credit limit

Get my card

Here's what you'll need

Let’s credit union.

WSECU Create® Visa®

  • 0.25% rate decrease with on-time payments**
  • 20.50% APR†
  • $250 - $2,500 credit limit

Get my card

Here's what you'll need

  A Forbes Best-in-State Credit Union in Washington 4 years running

  A Forbes Best-in-State Credit Union in Washington 4 years running

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.** 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†

19.50%

Earned rate decrease**

0.25%

Credit limit

$250 - $2,500

Get my card

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 WSECU?

WSECU membership has its perks. Enjoy favorable rates on everything from credit cards to savings accounts. Insured deposits. A great mobile app. Access to your money from ATMs anywhere in the world. Unparalleled member service. It's no wonder Forbes ranked WSECU a Best-in-State Credit Union in Washington 4 years running. And since you'll be part of a member-owned cooperative that gives 4% of its net income back to your local community, you'll see the good happening all around you. Every day.

Forbes 2023 Best-in-State Credit Unions

First time applying for a credit card?

Here are some helpful tips to help you get started on the right foot.

How Credit Cards Affect Your Credit Score

10 Money Skills You Need to Master in Your 20s

How to establish credit when you're just starting out

Create credit history with our Create Visa card.

Build strong credit. Reduce your rate every six months. Your credit future looks bright.

Get my card

Other important information

Interest Rates and Interest Charges

  • Annual Percentage Rate (APR) for Purchases & Cash Advances: 19.50%
    This APR will vary with the market based on the Prime Rate*.
  • APR for Balance Transfers**: 19.50%
    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.

* Variable Rates: The Annual Percentage Rate may increase or decrease if the highest rate of interest is identified as the "Prime Rate" in the "Money Rates" column of the Wall Street Journal increases or decreases. The Annual Percentage Rate will be equal to the Prime Rate plus a margin of 3.00%-21.00% depending on your credit history. The interest rate can change monthly on the 18th day of the month following a change in the Prime Rate. The Annual Percentage Rate will never be more than 29.99%. Any increase will take the form of more payments of the same amount.

** On-Time Payment Discount: You will receive a 0.25% discount on the APRs disclosed above each time you make a series of six consecutive qualifying payments on or before the payment due date in a billing cycle, up to a maximum of a 2% discount. A "qualifying payment" is one you have made on or before the payment due date in a billing cycle in which there was transaction activity and a payment is due. For example, if you make six consecutive on-time payment in January through June, you will receive the discount in the amount disclosed in this paragraph. Then, if you make six consecutive on-time payments in July through December, you will receive another discount in the amount disclosed in the paragraph. If you make a late payment, the number of accrued qualifying payments resets to zero and you must, from that point, make six consecutive qualifying payments to receive a discount. You will not lose any discounts in effect if you make a late payment.

† See Important Credit Card Disclosures for complete details.

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