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Credit Cards

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.

Black Visa card illustration on blue background with white stripes

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 25,000 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.)

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 15.15% - 21.00% APR based on your credit.+

Red Visa card illustration on black background with white stripes

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.)

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 13.15% - 21.00% APR based on your credit.+

Westerra credit card on a red and teal background

Consolidate and save

Transfer your high-interest holiday debt to a Westerra Credit Union Visa® Signature or Visa® Select Credit Card with no balance transfer fees and a low introductory APR for 12 months.

Learn more about how a credit card balance transfer can help you save money.

Looking for business credit cards?

Local businesses can get credit cards with rewards, competitive rates and no balance transfer fees

Explore credit cards

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

PIN Changes & Activation

A PIN Mailer is no longer required to activate your Westerra debit or credit card! NOTE: The new phone number to activate a card is 1-866-762-0558 (this has been updated on the sticker of the card). If you would like to change your existing PIN number (and know what your current PIN number is!) please visit any Westerra ATM. If you need to create a new PIN issued on your consumer debit card, visit any branch during regular business hours and receive it 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.

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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

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Great interest rates and longer terms

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Have any other credit card questions?

We’re here to help. (That’s kind of our thing)

Talk to us

*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.

+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 6/1/2023. Foreign Transaction Fees are 1.00% 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. You will also receive a new PIN, which can be changed by calling 1-800-503-9249 and using the reference number on your PIN mailer.