Credit union · NCUA insured
WSECU Credit Card Rates
WSECU credit cards start at 12.50% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How WSECU’s credit card rates compare
Compared with banks and credit unions near Seattle, WA, where WSECU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
WSECU
12.50%APR
- Up to
- 21.50% APR
WSECU Low Rate Visa card
Lowest rate
America's Credit Union
8.79%APR
- Up to
- 18.00% APR
2nd-lowest rate
Firefighters First Credit Union
8.99%APR
- Up to
- 16.99% APR
WSECU credit card score
70
Credit card score
Higher than 26% of U.S. banks and credit unions
- Purchase APRPurchase APR12.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where WSECU 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.
WSECU Cash Back Visa Signature card
Credit limit $5,000 - $30,000. Recommended if you want cash rewards along with the prestige of a metal credit card and typically pay off your monthly balance.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.50%–28.00% | None | Variable APR for purchases based on Prime Rate plus margin of 5.50% - 21.00% depending on credit history. Maximum APR 29.99%. |
Sources (3)
- wsecu.org/credit-cards
- wsecu.org/getcontentasset/8c90…dit-card-disclosures.pdf
- wsecu.org/credit-cards/cash-back
All captured Oct 22, 2026
WSECU Create Visa card
Credit limit $250 - $2,500. Recommended if you're a student or new borrower looking to build credit. Earned rate decrease of 0.25% every six consecutive on-time payments up to 2%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.00% | None | Variable APR based on Prime Rate. Rate decreases by 0.25% for every 6 consecutive on-time qualifying payments, up to a maximum 2% total discount. Maximum APR 29.99%. |
Sources (3)
- wsecu.org/credit-cards
- wsecu.org/credit-cards/wsecu-create
- wsecu.org/getcontentasset/8c90…dit-card-disclosures.pdf
All captured Oct 22, 2026
WSECU Low Rate Visa card
Credit limit $250 - $15,000. Recommended if you typically pay more than the minimum monthly payment but less than the full balance.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.50%–21.50% | None | Standard variable APR based on Prime Rate depending on credit history for purchases. Prime plus margin of 5.50% - 21.00% depending on credit history. Maximum APR 29.99%. |
| Intro, 6 months | 0.00% | None | 0% Introductory APR on balance transfers for 6 months if the transfer is made within 60 days of account opening. Does not apply to balances transferred from other WSECU credit cards or loans. After that, standard APR of 12.50% - 21.50% applies. |
Sources (3)
- wsecu.org/credit-cards
- wsecu.org/getcontentasset/8c90…dit-card-disclosures.pdf
- wsecu.org/credit-cards/low-rate
All captured Oct 22, 2026
WSECU Platinum
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.50%–26.00% | None | Standard variable APR based on Prime Rate depending on credit history for purchases. Prime plus margin of 5.50% - 21.00% depending on credit history. Maximum APR 29.99%. |
| Intro, 6 months | 0.00% | None | 0% Introductory APR on balance transfers for 6 months if the transfer is made within 60 days of account opening. Does not apply to balances transferred from other WSECU credit cards or loans. |
Sources (1)
- wsecu.org/getContentAsset/8c90…dit-Card-Disclosures.pdf · captured Oct 4, 2026
Who can join WSECU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in Washington State is eligible for membership.
Military, government and schools
- Students at Central Washington University (CWU), The Evergreen State College, University of Washington (UW), or Washington State University (WSU) are eligible for membership.
Family and household
- Anyone related to someone who is eligible for membership is eligible to join.
Membership information collected October 4, 2026.