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 14.65% - 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 12.65% - 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 1-800-466-0040.
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.