Personal
Credit cards, done the credit union way
Enjoy the perks of credit cards with the great rates, low fees and member service you expect from Westerra. Choose between two empowering Visa® credit cards with great perks and competitive rates. Check 'em out below. Also! Starting in May 2024, all consumer and business Westerra credit cards will be re-issued with a new design and feature Contactless technology. Learn more here.
Get rewarded with Visa Signature®
Treat yourself to cash back, gift cards, travel and more with unlimited 1.25 reward points for every $1 you spend.* When you sign up, you’ll also get a one-time bonus of 10,000 reward points if you spend $3,000 or more in the first three months (all with no annual fee, because that’s how we roll.)
As an introductory, there's no balance transfer fee, and the first 12 months** after transferring offer a fixed APR of 3.90%. After that, the variable rate is currently 14.40% - 21.00% APR based on your credit.+
Think of a low rate. Now think lower. That’s Visa Select
Forget about fees with the Visa Select card — no balance transfer fees and no annual fees, just a simply low rate. You’ll also enjoy Visa Global Assistance 24/7 and the option to secure your card with your Westerra savings account. (It’s a great way to build credit and earn dividends at the same time.)
As an introductory, there's no balance transfer fee, and the first 12 months* after transferring offer a fixed APR of 1.90%. After that, the variable rate is currently 12.40% - 21.00% APR based on your credit.+
Share Secured Visa
The Share Secured Visa is a credit card backed by your savings, offering a variable interest rate and a limit based on the funds in your share (savings) account. With a maximum limit of $2,500, this card is ideal for building or rebuilding credit, helping you start or reset your financial journey while keeping you on track.
Looking for business credit cards?
Local businesses can get credit cards with rewards, competitive rates and no balance transfer fees
Credit Card Assistance
Westerra Rewards
Browse cash back, travel, gift cards and merchandise rewards, or go here for more information on how to redeem Westerra Rewards points.
Pay on the Go
Set up your Apple®, Google™ or Samsung Pay™ on your device to pay with your Westerra card on the go. Learn more about how to set up digital wallets here.
Card assistance
To report a lost or stolen Visa credit, debit card, call 303-321-4209 or 1-800-858-7212 during business hours, or 1-888-241-2510 at any time.
To activate a card, call 1-866-762-0558.
PIN Changes & Activation
Activate a new card at 1-866-762-0558.
Change your existing PIN (if you know your current pin!) by visiting any Westerra ATM
If you need to create a new PIN, visit any branch during business hours and get your new PIN the same day
Travel alerts
Send us a message through Digital Banking or notify us at 303-321-4209 with your travel dates and destination to head off any potential fraud alert service interruption.
CardNav security
Download this free app for iOS (Apple App Store) or Android (Google Play) to add an extra layer of protection to your debit or credit cards.
The Westerra humble-brag
→ Why us? Westerra's community is built on meaningful personal relationships, not transactions. We're here for you with real support for your goals, your money and your financial education. That's the Westerra way.
There’s no place like home
Looking for a new ride?
Great interest rates and longer terms
Have any other credit card questions?
We’re here to help. (That’s kind of our thing)
*APR = Annual Percentage Rate. Introductory balance transfer rate is valid for 12 billing cycles from account origination on balances transferred to a Visa Signature® or Visa® Select card from other financial institutions. PIN-based, ATM, and Cash Advance transactions do not count towards reward point accrual.
+Your APR is the Prime Rate plus a margin of 4.65% - 15.65% for the Visa Select or 6.65% - 17.65% for the Visa Signature based on your credit qualification. APRs will vary with the market based on the Prime Rate. Published APR is effective as of 7/1/2024. Foreign Transaction Fees are 2.00% of the U.S. dollar amount of the foreign transaction for foreign currency conversions, 0.80% of the U.S. dollar amount of the foreign transaction for International Service Fee (ISA). Cash Advance Fee 2%.
**Certain terms, conditions, and exclusions apply. In order for coverage to apply you must use your covered Visa card to secure transactions. Please refer to your Guide to Benefits for further details.
Visa and the Visa logo are registered trademarks of Visa International Services Association. Apple Pay and the Apple Pay logo are trademarks of Apple Inc. Google Pay and the Google Pay logo are a trademarks of Google Inc. Samsung Pay and the Samsung Pay logo are registered trademarks of Samsung Electronics Co., Ltd.
Please note: Cards sent by mail will arrive in 4 to 7 business days.
