The WSECU Create® Visa® Credit Card is tailored for individuals who are building credit for the first time or rebuilding their financial profile. It’s a smart and supportive option that combines credit-building tools with low fees and the backing of a reputable credit union.
What makes this card unique is the opportunity to build credit using your own funds as collateral while still enjoying the convenience of a standard Visa card accepted worldwide. It’s ideal for students, young adults, or anyone looking for a second chance.
If you’re ready to take control of your financial future, this card offers a safe and responsible path to better credit. Explore how WSECU can help you create stronger financial habits.
Meet the Issuer
WSECU (Washington State Employees Credit Union) is a member-owned credit union that serves individuals across Washington and beyond. Known for its community-driven approach, WSECU provides banking solutions that prioritize trust, support, and financial education.
With a focus on accessibility and financial growth, WSECU offers a range of credit cards and personal banking products with transparent terms and competitive rates. Their mission is to help members thrive, not just bank.
The Create® Visa® Credit Card reflects that mission — empowering members to take meaningful steps toward building and maintaining strong credit.
Main Benefits of the Card
Credit Builder Design: This secured card allows you to build or rebuild your credit with responsible usage, using your deposit as collateral.
Worldwide Visa Acceptance: Use your card anywhere Visa is accepted — in-store, online, or abroad — just like a traditional credit card.
No Annual Fee: Keep your card open long-term without worrying about paying an annual maintenance fee.
Low APR: Enjoy a competitive interest rate that helps minimize interest charges if you carry a balance.
Reports to Major Credit Bureaus: Your payment history is reported monthly to TransUnion, Experian, and Equifax to support your credit score growth.
Easy Online Access: Manage your card, monitor activity, and make payments from your desktop or mobile device through WSECU’s online banking platform.
Financial Education Tools: WSECU provides free resources to help you understand and improve your credit habits.
Strong Security Features: Benefit from Visa’s fraud protection and zero liability for unauthorized purchases.
Member Support: As a credit union, WSECU provides personal support and guidance to help you stay financially confident.
Wsecu Create: Fees and Commissions
The WSECU Create® Card does not charge an annual fee, making it an affordable choice for new cardholders. The APR is low, typically more favorable than many traditional secured credit cards.
There are no hidden fees or confusing charges. Standard fees may apply for late payments or returned checks, but overall, the card is designed to be cost-effective.
Note: Rates and terms are subject to change. Always refer to WSECU’s official site for the most current details before applying.
Card Limit
Your credit limit is based on your security deposit, which typically ranges from $300 to $5,000. This deposit is held in a secured savings account and determines your purchasing power.
As you demonstrate responsible use over time, WSECU may offer options to graduate to an unsecured card or increase your limit, depending on eligibility and financial behavior.
Positive points
- Great for Credit Building:Specifically built to help users create or rebuild a solid credit history.
- No Annual Fee:Save money with a card that doesn’t charge yearly maintenance fees.
- Trusted Credit Union:Backed by a community-focused institution that prioritizes member success.
Negative points
- Security Deposit Required:You must provide a deposit, which may be a barrier for some users.
- No Rewards Program:This card does not offer cashback or points for purchases.
- Limited to WSECU Membership:You need to be eligible for WSECU membership to apply, which may restrict access.
How to Apply for Wsecu Create Credit Card
- Visit the official WSECU website
- Navigate to “Credit Cards” and choose “Create® Visa®”
- Click “Apply Now”
- Fill in your personal, contact, and employment information
- Specify your desired credit limit and corresponding deposit amount
- Review terms and disclosures
- Submit your application
- Await a decision — most applicants are notified promptly
- Fund your secured savings account if approved
- Receive your card by mail within 7–10 business days
How to Contact Wsecu Create
Need assistance with your account or have questions before applying? WSECU offers multiple ways to get in touch:
- Phone: 1-800-562-0999
- Online Banking: Send secure messages through your account portal
- Email Support: Available via the contact form on wsecu.org
- In-Person: Visit a WSECU branch near you
WSECU is committed to helping you succeed financially. If you’re ready to start building your credit with the support of a trusted institution, the Create® Visa® Credit Card is a smart, low-risk way to begin.