Low-Rate Credit Card
A lower rate for everyday spending
A lower rate can make a big difference
Whether you’re covering everyday expenses or consolidating higher-rate debt, our Low-Rate Visa Credit Card helps you save on interest.
Low-Rate Credit Card Features
No Annual Fee
You won’t have to pay an annual fee.
Mobile Pay
Compatible with Apple Pay, Google Pay, and Samsung Pay—so you only need your phone to pay when those options are available.
Convenient Management
Manage your card in the Seattle Credit Union app. Turn your card on and off, set restrictions, schedule alerts and more.
Fraud Protection
Our cards have an EMV chip that helps enhance security and contactless options, when you use it at participating merchants.
Same-Day Credit Card Pickup
Typically, existing account holders can get a card within minutes and new cardholders can get one within 2 hours of approval.
0% Intro APR for the First 9 Months*
Open a new Seattle Credit Union Low-Rate Visa® Credit Card and receive 0% introductory APR on purchases and balance transfers for the first 9 months. After the intro period, the rate will range from 10.49%-25.49% APR.*
Transfer higher-rate balances or finance a large purchase and enjoy nine months without interest, giving you more time to pay down your balance.
Disclosures
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*APR = Annual Percentage Rate. Offer valid through 1/26/27, subject to credit approval. Eligible purchases and balance transfers receive 0% introductory APR for nine months after account opening. Afterward, a variable APR of 10.49%–25.49% applies based on creditworthiness. Balance transfer fee: 1.99% of each transfer or $15, whichever is greater. Transfers from other Seattle Credit Union accounts are not eligible. Minimum payments are required. No annual fee. Membership eligibility and additional terms apply. See credit card agreement for rate information.
Current Credit Card Rates
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Transaction Type |
VISA Low-Rate |
|---|---|
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Effective as of November 2nd, 2026. *APR = Annual Percentage Rate. We will not charge you interest on purchases if you pay your entire balance owed each month within 25 days of your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date. How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See Account Agreement for details. |
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Transaction Type Purchases APR* |
VISA Low-Rate 10.49% – 25.49% (variable) |
|
Transaction Type Balance Transfers APR* |
VISA Low-Rate 10.49% – 25.49% (variable) |
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Transaction Type Cash Advances APR* |
VISA Low-Rate 10.49% – 25.49% (variable) |
FAQ
Members who may carry a balance, want a lower-rate option, or are considering transferring higher-interest debt.
No. Balance transfers from other Seattle Credit Union accounts are not eligible.
Members who qualify may be eligible to have both cards.
The Low-Rate Visa offers 0% introductory APR on eligible purchases and balance transfers for the first nine months. A 1.99% balance transfer fee applies, with a $15 minimum.
Minimum payments are still required, and after the introductory period, any remaining balance will accrue interest at your assigned variable APR.