Credit union · NCUA insured
WECU Credit Card Rates
Top CarrotWECU credit cards start at 13.74% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How WECU’s credit card rates compare
Compared with banks and credit unions near Bellingham, WA, where WECU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
WECU
13.74%APR
- Up to
- 20.74% APR
Launch
Lowest rate
WestEdge Credit Union
9.50%APR
- Up to
- —
2nd-lowest rate
Industrial Credit Union
9.90%APR
- Up to
- 24.90% APR
WECU credit card score
65
Credit card score
Higher than 13% of U.S. banks and credit unions
- Purchase APRPurchase APR13.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where WECU ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Credit Builder
No credit history needed to apply. Responsible limits of $300-$1,500. Rebuild credit through our secured option 5,000 bonus points upon graduation (graduation path not available for secured option).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.74% | None | Annual Percentage Rate for Purchases, Balance Transfers and Cash Advances. |
Sources (1)
- wecu.com/credit-cards · captured Oct 4, 2026
Edge
No payments for 90 days. No-fee balance transfers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 3 months | 0.00% | None | 0% Intro APR for 90 days (3 statement cycles) on purchases and balance transfers. Balances transferred from existing WECU cards do not qualify. |
| Ongoing | 10.74%–17.74% | None | Annual Percentage Rate for Purchases, Balance Transfers and Cash Advances after promotional period. (Footnote 5 states post-intro variable rate of 11.99% - 18.99% APR depending on creditworthiness). |
Sources (1)
- wecu.com/credit-cards · captured Oct 4, 2026
First Step Visa
For teens ages 15 to 19 interested in building credit safely and securely. Must complete First Step Visa On-Demand Course / educational class on credit cards and proper management to apply. Maximum limit of $300. Proof of income or parent/legal guardian co-borrower required. 1% cash back reward on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | — |
Hive
Earn 3% back on everyday essentials category of your choice. 2% back on groceries or restaurants, and 1% back on all other purchases. 15,000 bonus points with $1,500 spent in the first 3 months. No foreign transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% Intro APR for 6 months (6 statement cycles) on purchases. Balances transferred from existing WECU cards do not qualify. |
| Ongoing | 17.65%–24.65% | None | Annual Percentage Rate for Purchase, Balance Transfers and Cash Advances after 6 months depending on creditworthiness. (Footnote 2 on p23 notes 18.90% - 25.90% APR). |
Launch
Earn 1.5% back on all purchases. No-Fee Balance Transfers. No international transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.74%–20.74% | None | Annual Percentage Rate for Purchase, Balance Transfers and Cash Advances. |
Sources (1)
- wecu.com/credit-cards · captured Oct 4, 2026
Lux
Earn 3% back for dining, entertainment, streaming, and home improvement purchases; 1% back on all other purchases. 25,000 bonus points with $2,500 spent in first 90 days. No international transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Intro APR for 12 months (12 statement cycles) on purchases and balance transfers. Balances transferred from existing WECU cards do not qualify. |
| Ongoing | 17.65%–24.65% | None | Annual Percentage Rate for Purchase, Balance Transfers and Cash Advances after 12 months. (Footnote 6 states variable rate of 19.40% - 26.40% APR depending on creditworthiness). |
Sources (1)
- wecu.com/credit-cards · captured Oct 4, 2026
Who can join WECU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Washington are eligible for membership.
Family and household
- Family members of individuals who live, work, worship, or attend school in Washington are eligible for membership.
Other ways
- Businesses that are majority-owned and operated within Washington are eligible for membership.
Membership information collected October 4, 2026.