Fixed-Rate Visa Credit Card

We offer a fixed- rate Visa Credit Card with low rates and special Introductory and Balance Transfer rate discounts.


  • No annual fee
  • Fixed rate as low as 8.99% APR
  • Special Introductory rate offer as low as 4.99% APR1
  • Special Balance Transfer rate offer as low as 4.99% APR2
  • No cash advance fees3
  • No balance transfer fees



APR=Annual Percentage Rate. Rate quoted is the lowest rate possible for qualified borrowers and is subject to change. Qualification is based on credit history, debt, and the ability to repay. Your rate may vary. All loans subject to credit approval.

1APR for Introductory rate is 4.00% off your contract Western Visa Credit Card on purchases. Introduction rate promotion applicable to fixed-rate Western Visa Credit Cards only. After the sixth statement you will be charged your current contract rate on all purchases. Promotion may end at any time. Not valid with other offers.

2Annual Percentage Rate (APR) for balance transfers is 4.00% below your contract Western Fixed-Rate Visa Credit Card rate made by transfer from other lenders via Western eBanking or with a Western Representative. Balance transfer promotion applicable to Western Fixed-Rate Visa Credit Cards only. No transaction fee is imposed for balance transfers. Interest will be charged from the balance transfer transaction date. Minimum balance transfer amount is $500. After the twelfth statement following the balance transfer transaction, you will be charged your current contract rate for any outstanding balance remaining from the balance transfer. Cash advances, convenience checks, and purchases are not eligible for this promotional interest rate. Promotion may end at any time. Not valid with other offers.

3An overdraft from your Visa credit card will be treated as a cash advance. Finance charges are assessed from the day you take the cash advance until the day we receive payment in full. Western Federal Credit Union is an equal opportunity lender.