• 1Q22 Vision

    A Shared Vision for the Future

    Western Healthcare FCU + McKesson EFCU

    Learn More about shopping for pre-owned vehicles

  • 1Q22 TurboTax

    Tax Solutions

    And Savings for Members

    Learn More about shopping for pre-owned vehicles

  • 4Q21 Auto Loans

    Save More Shopping
    Pre-Owned Vehicles

    Rates as low as 2.29% APR*

    Learn More about shopping for pre-owned vehicles

  • 3Q21 Real Estate

    Find a Mortgage Loan That Works For You!

    Find the Right Home Loan with Your Credit Union

    Learn More about home loans

  • 1Q21 Visa

    Save More

    With Platinum Visa Credit Cards from WHFCU

    Learn More about Platinum Visa credit cards

  • 3Q21 HELOC

    Achieve Your Dream Vision

    With a Home Equity Line of Credit

    Learn More about home equity lines

VISA Disclosures

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases Visa Platinum
7.99% - 17.99%
when you open your account, based on your creditworthiness.

Visa Platinum with Rewards
9.99% - 13.99%
when you open your account, based on your creditworthiness.
APR for Balance Transfers Visa Platinum
7.99% - 17.99%
when you open your account, based on your creditworthiness.

Visa Platinum with Rewards
9.99% - 13.99%
when you open your account, based on your creditworthiness.
APR for Cash Advances Visa Platinum
7.99% - 17.99%
when you open your account, based on your creditworthiness.

Visa Platinum with Rewards
9.99% - 13.99%
when you open your account, based on your creditworthiness.
Penalty APR and When it Applies Visa Platinum
17.99%

Visa Platinum with Rewards
17.99%
This APR may be applied to your account if you:
 - Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Transaction Fees
- Foreign Transaction Fee

1.00% of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

Up to $20.00
Up to $28.00

How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

Effective Date. The information about the costs of the card described in this application is accurate as of December 1, 2012. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES

Late Payment Fee $20.00 of amount or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.
Returned Payment Fee $28.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee $5.00
Rush Fee At Cost
PIN Replacement Fee $5.00
Card Replacement Fee $15.00
Pay-by-Phone Fee $10.00

Cash Infusion Loans & Title Loans

Do you have an emergency? Do you need cash fast? We want to help you in your time of need, so we've designed some amazing alternatives to costly payday loans!

Apply for a Loan  Loan Rates

Mortgages

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