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Buy stuff. Build credit.

Here We Grow

Buy stuff. Build credit.

Here We Grow

Just getting started building credit?

If you’re new to establishing credit, the WSECU Create® Visa® card is a smart choice. After six months of on-time payments, you’ll be rewarded with a lower interest rate.* What better way to help you form good financial habits? Plus, those on-time payments are great for your credit score, which is key to building your future financial power.

With the WSECU Create Visa card in your wallet, you’ll enjoy:

  • No annual fee
  • 0.25% rate decrease with on-time payments*
  • Low 19.50% APR
  • Up to $2,500 limit
  • Standard Visa benefits

Apply now

Here's what you'll need

A corgi sitting next to a giant WSECU Create Visa card

Start building credit now without breaking your budget

With the WSECU Create Visa card, you can start establishing credit for less. There’s no annual fee, no balance transfer fee, no foreign transaction fee and late fees are tiered. That’s less money to pay now, and more money to save for your future.

Smart ways to work your WSECU Create Visa card

How will you use your card?

Use your WSECU Create Visa card for everyday purchases like gas, utilities and groceries. Then pay off your balance at the end of the month to avoid accruing interest.

Smart ways to work your WSECU Create Visa card

How will you use your card?

Use your WSECU Create Visa card for everyday purchases like gas, utilities and groceries. Then pay off your balance at the end of the month to avoid accruing interest.

Don’t go overboard

Try to limit yourself to spending only as much as you already have in cash. Long-term debt gets expensive — even with a competitive rate.

Watch your credit utilization

A good rule of thumb is to keep your credit card balance under 30% of your card’s limit. This percentage is also called your credit utilization rate. Spending below that limit can help you maintain good credit.

Think twice before canceling

The length of your credit history makes up 15% of your credit score, so it’s a good idea to keep your first card open to maintain that history.

Don’t be afraid to pay with credit

Never using a credit card won’t help your credit score. Card issuers typically report your on-time payments to the major credit bureaus. By using your card wisely and not missing payments, you can build your credit and your financial future.

Some guidance to help you build good credit, the smart way

Good credit looks good on you. Check out these articles to learn how you can start building good credit wisely.

Credit Card Payoff Calculator

When it comes to credit, math is your friend

Wondering how much you can spend and still stay on top of it? Here’s a handy tool to help you determine your personal limit.

Credit Card Payoff Calculator

How long will it take to pay off my credit card?

How many months will it take to pay off my credit card?

Credit card balance

This is the total amount that remains to be paid on your credit card.

Enter in a dollar amount

What is your APR?

Please enter the annual percentage rate of your credit card.

Enter a valid APR.

How do you want to pay off your credit card?

Please select the path that best fits your goal.

How much time?

In what amount of time would you like to pay off this credit card?

Please enter a length of time

How much can you pay per month?

Please enter the amount that you are able to comfortably pay per month.

Minimum ${#} required.

Credit Card Payoff Information

The amount you will pay towards your balance monthly.
Minimum ${#} required to cover interest.
Adjust time until payoff
Timeframe The length of time it will take to pay off your balance.
Must be 0 to 11 months and 0 to 99 years, totaling at least 1 month
Adjust monthly payment
The cost of the loan, including interest and fees.
Enter a valid APR
Total balance you currently owe.
Enter a dollar amount

Credit Card Breakdown

Time Until Payoff

Monthly payment too low

When using the calculator, please remember the dollar amounts displayed aren’t guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to the loan type or amount for which you may qualify.

What our members are saying

"No matter what problem you come in with, they help you with a smile on their face. Their credit card rates are amazing. It’s basically everything you could want."


WSECU member

“I have banked at WSECU for 12 years. I absolutely love their customer service and would recommend them to anyone and everyone.”


WSECU member

A credit union with benefits

Anyone can apply for the WSECU Create Visa card, but being a member has perks. We’re a member-powered, federally insured, not-for-profit credit union. Start your financial journey with a community-minded organization that’s here to help you grow.

Join today


* Rate will decrease by 0.25% every six consecutive on-time payments, up to 2%.

See Important Credit Card Disclosures for complete details.

Your perspective is important to us and helps us see where we’re hitting the mark and where there might be areas to improve.