Credit

  

Lines of Credit

Imagine having money on hand in case you need it? As a matter of convenience to its members, WESLA Federal Credit Union offers Line of Credit Loans, similar to credit from a credit card, that members can access through one of our Local Branches or TouchTone Teller. With these loans, members always have access to extra cash - up to a predetermined limit - for any reason.

Terms

  • Minimum Loan Amount of $2,000
  • Rates as low as 8.450% APR* 

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*Some additional fees may be required or apply.
*Rates depend on credit. Some restrictions may apply.

Visa

Already have a Visa Card? Log in and manage your account or call 1-855-671-0080 now! 

  • Annual Percentage Rate for Purchases* 6.90%-12.9% APR¹** for qualifying members
  • Grace Period for Repayment is 25 days
  • Computing Method is Average Daily Balance (including new purchases)
  • No Annual Membership Fee
  • Late Payment Fee of up to $28.00***
  • No over the limit fee

Rates & Fees:

Annual Percentage Rate (APR) for Purchases

 fixed 6.9%**-12.90%**, based on creditworthiness.

APR for Balance Transfers

 fixed 6.9%**-12.90%**, based on creditworthiness.

APR for Cash advances 

 fixed 6.9%**-12.90%**, based on creditworthiness.
Annual Fee None
Minimum Finance Charge None
Cash-Advance Fee None
Balance Transfer Fee None
Over the Limit Fee None
Grace Period 25 days when paid in full by next statement date. 
Card Replacement Fee $7.00
Foreign Transaction Fee 1% of each multiple currency in U.S. dollars
Foreign Transaction Fee 1% of each single currency in U.S. dollars 
Late Fee up to $28.00***
Returned Payment Fee up to $39.00
Statement Copy Fee $7.00

 

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* Eligibility for Platinum or Share Secured Visa credit card is determined by your credit information. All products are subject to credit approval.

**The Annual Percentage Rate is based on certain credit-worthiness criteria. "Subject to change"

***If ten (10) or more days late.

APR¹=Annual Percentage Rate. Based on credit worthiness. Not every member will qualify. Some restrictions apply. Eligibility for Platinum or Share Secured Visa credit card is determined by your credit information. All products are subject to credit approval.

The information about the costs of the cards described above last updated 08/2023. This information may have changed after that date. To find out what may have changed, please contact Card Services at 800-828-6647.

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