See Rate and Fee Schedule for complete details.
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We are deeply concerned for all those affected by the ongoing wildfires in Spokane County. To our members who have been impacted, please know that you are not alone. If you need financial assistance or support, we encourage you to contact us. Our team is here to help during this difficult time. Stay safe and take care.
Why CougarCard when you can CougarCard Plus and get a $30 Cougar CASH bonus*
Why CougarCard when you can CougarCard Plus and get a $30 Cougar CASH bonus*
CougarCard
CougarCard Plus
| Account Features |  CougarCard |  CougarCard Plus |
|---|---|---|
| Student ID | ||
| Access to Cougar CASH | ||
| Campus access for buildings, library materials, riding the bus and using your meal plan | ||
| Replacement cost | $20 | FREE |
| Doubles as a WSECU debit card | - | |
| Opportunity to earn up to 1% cash back with WSECU Cash Back Checking option‡ | - | |
| Access to 5,000+ branches and 30,000+ ATMs via CO-OPSM Shared Branch network | - |
‡ Must open a Cash Back Checking account. See Rate and Fee Schedule for complete details.
Confirm your eligibility to join WSECU.
Are you a student, faculty member or staff member at WSU? If so, you’re in.
Tell us about yourself.
We'll ask you some basic questions and for a government-issued ID such as a driver’s license.
Choose a checking account.
Cash Back, Balanced or Basic? Opt for the checking account that works best for you.
See Rate and Fee Schedule for complete details.
Being a member of Washington’s only Forbes Best-In-State Credit Union five years in a row 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. 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.
WSECU gives you access to a network of over 5,000 shared branches and more than 30,000 ATMs. Even when traveling, there’s a location near you.
What’s the difference between a bank and a credit union? Banks are owned by shareholders; credit unions are owned by their members. So instead of profiting stockholders, WSECU reinvests 4% of our net income into our communities. The rest goes back into the credit union. You get better rates, fewer fees and great service. What’s not to like?
*Open your CougarCard Plus account by September 30, 2026, and get $30.00 Cougar CASH added to your CougarCard Plus account. To join WSECU you will need to open a savings account. The Cougar CASH will be credited to your account within 30 business days of the new CougarCard Plus account being opened. The referrer and the referee's CougarCard Plus accounts must be active at time of payout. The $30.00 Cougar CASH may be tax reportable.
† Refer a friend and when they open a new CougarCard Plus account by September 30, 2026, they will receive $30.00 in Cougar CASH and you will receive $30.00 cash deposited into your WSECU checking account. The Cougar CASH and cash deposits will be credited to your accounts within 30 business days of the new CougarCard Plus accounts being opened. Both the referrer and the referee’s CougarCard Plus account must be active at the time of payout. The $30.00 in Cougar CASH and/or the $30.00 cash may be tax reportable.
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