Let’s credit union.
WSECU Low Rate Visa®
- No annual fee
- No balance transfer fee
- 0% promotional balance transfer rate**
Forbes #1
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’s lower your credit card rate.
Want the lowest rate we offer? Then look no further. With one of the lowest rates in Washington state, the WSECU Low Rate Visa card is perfect for big purchases you pay off over time.
Get a top-notch credit card with a low-notch rate.
Introductory balance transfer rateLow Rate Visa Credit Card Disclosures**
0%
Annual percentage rate†
10.50% - 22.00%
Available credit
$250 - $15,000
Frequently asked questions
Members may request as many balance transfers as they’d like within the introductory/promotional period.
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.
Balance transfers must be made in the first 60 days of opening your account.
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.
Interest Rates and Interest Charges
- Annual Percentage Rate (APR) for Purchases & Cash Advances
10.50% - 22.00% depending on your credit history. This APR will vary with the market based on the Prime Rate*. - APR for Balance Transfers**
0% Introductory APR on balance transfers for 6 months if the transfer is made within 60 days of account opening. After that, your Standard APR will be10.50% - 22.00% depending on your credit history. 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 Payments: $25.00 or your minimum payment required, whichever is less. Balances of $25.00 or less must be paid in full.
Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment.
Skip Payment: If we make a skip payment option available, you may skip making your payment(s) for certain month(s). If you choose this option, interest will continue to accrue, but no late payment charges will be imposed during the skip period. All credit terms applicable immediately prior to the skip period will again apply once the skip period has expired. A Skip a Pay fee of $15.00 will apply.