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Our lowest rate credit card

Enjoy interest rates that start low and stay low

Our lowest rate credit card

Enjoy interest rates that start low and stay low

WSECU Low Rate Visa® credit card

Introductory balance transfer rate*

0%

Annual percentage rateCredit card APR refers to the interest amount paid on post-due balances.

11.50% - 23.00%

Available credit

$250 - $30,000

Recommended if:

You typically pay more than the minimum monthly payment but less than the full balance.

Apply now

Here's what you'll need

No fee, no fuss, 0% APR on balance transfers*

  • 1

    0% APRCredit card APR refers to the interest amount paid on post-due balances.

    Transfer balances in Online Banking for a 0% APR. After six months, the standard 11.50% - 23.00% APR will apply.

  • 2

    60 days

    All balance transfers made within the first 60 days of opening your account have 0% APR for six months. Afterward, the standard rate as shown will apply.

  • 3

    6 months

    All eligible balance transfers receive 0% APR for the six-month period following the initial transfer. Afterward, the standard rate as shown will apply.

Three perks of the WSECU Create Visa

The lowest rates we offer

Skip-a-Pay availability

Emergency cash and card disbursement

Included with all WSECU Visa credit cards

  • No annual fee
  • No balance transfer fee
  • Auto rental insurance
  • Roadside Dispatch® service
  • Standard Visa card benefits
  • Emergency cash/card disbursement
  • Global customer assistance services

Frequently asked questions

Members may request as many balance transfers as they’d like within the introductory/promotional period.

Balance transfers must be made in the first 60 days of opening your account.

Balance transfers receive a 0% rate for the six-month period that begins with the first transfer. The introductory rate expires at the end of the initial six-month period for all subsequent transfers, regardless of when they were initiated.

Yes, there is a $15 fee plus accrued interest when using Skip-a-Pay.

Optimize your credit card for good financial health

How will you use your card?

Will you need to carry a balance? If so, go for a low rate. Will you pay your monthly balance in full most of the time? If so, go for the rewards.

Resources

Footnotes

* 0% introductory APR on balance transfers for six months if the transfer is made within 60 days of account opening.† See Important Credit Card Disclosures for complete details.

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