Skip to content
Skip to main content

Main Header

Let’s credit union.

WSECU Low Rate Visa®

  • No annual fee
  • No balance transfer fee
  • 0% promotional balance transfer rate**

Get my card

Here's what you'll need

Here's what you'll need:

  • SSN or ITIN
  • Date of Birth
  • Address
  • Employment information and income
  • Monthly rent or mortgage payment
  • Additional expenses, e.g. monthly child support, childcare, alimony, etc. 

Let’s credit union.

WSECU Low Rate Visa®

  • No annual fee
  • No balance transfer fee
  • 0% promotional balance transfer rate**

Get my card

Here's what you'll need

Here's what you'll need:

  • SSN or ITIN
  • Date of Birth
  • Address
  • Employment information and income
  • Monthly rent or mortgage payment
  • Additional expenses, e.g. monthly child support, childcare, alimony, etc. 

  Washington’s only Forbes Best-In-State Credit Union five years in a row!

  Washington’s only Forbes Best-In-State Credit Union five years in a row!

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 rate**

0%

Annual percentage rate†

12.25% - 21.25%

Available credit

$250 - $15,000

Get my card

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.

Keep more of your money with our Low Rate Visa.

Low interest rate. No annual fee. No balance transfer fee. Get your WSECU Low Rate Visa today.

Get my card

Interest Rates and Interest Charges

  • Annual Percentage Rate (APR) for Purchases & Cash Advances
    12.25% - 21.25% 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 be 12.25% - 21.25% 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.

* 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.

** Introductory Rate is available only for balance transfers made within 60 days of account opening. Introductory Rate does not apply to balances transferred from other WSECU credit cards or loans.

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.

† See Important Credit Card Disclosures for complete details.

Feedback submission button and cookie policy notification.

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