Credit Cards

Where to start? How about how our lowest credit card interest rate is 60% less than the average credit card interest rate? In addition to low APRs*, we offer VISA® credit cards with no annual fees and great rewards.

Ready to find your perfect card? Whether you seek to consolidate your credit card debt to just one card or want a card with better rewards, you’ve come to the right place.

Key Features

  • icon images Low Rates
  • icon images No Cash Advance Fee
  • icon images No Balance Transfer Fee
  • icon images No Annual Fee
  • icon images Reward Points for Merchandise, Travel & More
  • icon images Chip-Enabled Technology

  • VISA® Platinum Rewards

    • No annual fee
    • No balance transfer fee
    • No cash advance fee
    • Points redeemable for merchandise, travel and gift cards from popular retailers
    • Chip-enabled acceptance and security
    • Earn 1 point for every $1 through the More4U rewards program
    •  Zero fraud liability for unauthorized purchases
    •  Applicant must be 18 years of age
    •  Foreign Transaction Fee – 1.00% of each transaction in U.S. dollars
  • VISA® Platinum

    • No annual fee
    • No balance transfer fee
    • No cash advance fee
    • Chip-enabled acceptance and security
    • Zero fraud liability for unauthorized purchases
    • No rewards
    • Applicant must be 18 years of age
    • Foreign Transaction Fee – 1.00% of each transaction in U.S. dollars
  • Additional Information

 


*APR = Annual Percentage Rate. Your rate may vary and is determined by your creditworthiness. Subject to credit approval. Rates, terms, and conditions are subject to change without notice.

Source: The Balance (May 2020). See credit union for details.

🗓️ Scheduled Maintenance: Online banking will be temporarily unavailable on May 19, 2026, from 2:00 a.m. ET to 9:00 a.m. ET as we complete a scheduled upgrade. We appreciate your patience.

🗓️ Henderson Branch: Our Henderson branch will be open from 10 AM - 3 PM on Thursday, August 20.

🗓️ Welcome Federal Credit Union will be closed on Monday, May 25 in observance of Memorial Day.

🗓️ Welcome Federal Credit Union will be closed on Friday, June 19 in observance of Juneteenth.

🗓️ Welcome Federal Credit Union will be closed on Friday, July 3 in observance of the 4th of July.

🗓️ Welcome Federal Credit Union will be closed on Monday, September 7 in observance of Labor Day.

🗓️ Welcome Federal Credit Union will be closed on Monday, October 12 in observance of Columbus Day. 

🗓️ Welcome Federal Credit Union will be closed on Wednesday, November 11 in observance of Veterans Day.

🗓️ Welcome Federal Credit Union will be closed for the Thanksgiving Holiday on November 26 & 27, 2025.

🗓️ As we close out 2026 and think forward to 2027, WFCU would like to wish all of our members and their families a wonderful holiday season and a prosperous New Year! Please be advised of our holiday schedule. 

Our auditors, Cantey Tiller Pierce & Green, LLP, may contact select members for routine account verification. Thank you for your careful review.

🗓️ Mark your calendar: WFCU's 2026 Annual Meeting - Members Only -  is Wednesday, May 20. RSVP today!

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