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
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  • 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
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  • Additional Information

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*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.

Welcome Federal Credit Union will be closed on Monday, February 19 in observance of President's Day.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate and Money Market accounts!

Please be advised that the Henderson Branch will be closed on Friday, March 29 in observance of Good Friday.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate and Money Market accounts!

Welcome Federal Credit Union will be closed on Monday, May 27 in observance of Memorial Day.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate and Money Market accounts!

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

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Please be advised of our holiday hours for Independence Day: all WFCU branches will be closed on Thursday, July 4. The Zebulon-GSK branch will be closed July 1 - July 5.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Welcome Federal Credit Union will be closed on Monday, September 2 in observance of Labor Day.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Welcome Federal Credit Union will be closed on Monday, October 14 in observance of Columbus Day. 

Now is the time to get the best returns on your cash with higher interest rates on your Certificate and Money Market accounts!

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

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

Welcome Federal Credit Union will be closed for the Thanksgiving Holiday on November 28 & 29, 2024.

Now is the time to get the best returns on your cash with higher interest rates on your Certificate & Money Market accounts!   

As we close out 2024 and think forward to 2025, 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.