What Are the Benefits of a CWCU Credit Card?


Having a credit card can alleviate the stress of not being able to pay for things upfront. It can also assist you in building up your credit score, making you eligible for things like home and car loans in the future. But not all credit cards are made the same. If you’re not banking with the right institution, you could be missing out on perks and amenities that you didn’t know were available.

At Central Willamette Credit Union, we have borrowing options that can accommodate your everyday needs. With low APRs and reward opportunities, you’ll reap the benefits of our credit card while you put yourself in the best position to get out of or stay out of debt.

There are many upsides to having a CWCU credit card. Our members love taking advantage of our many borrowing options and having our helpful staff to guide them through the process. Here are a few of the benefits you’ll receive if you’re considering becoming a member and getting a credit card with us.

Unique credit card options

When you’re applying for a credit card, it’s nice to know you have options. We understand that not everyone has the same borrowing needs, and credit cards shouldn’t be a one-size-fits-all option. At CWCU, we offer unique credit card options to better suit your specific needs.

When you apply for a credit card at CWCU, you’ll have three options to choose from:

  1. Central Willamette Signature Rewards credit card
  2. Central Willamette Platinum credit card
  3. Central Willamette Platinum Secured credit card

All of these cards feature different borrowing options and different possible purchase APRs, as well as some exclusive rewards. You can choose the one that best fits your borrowing needs and feel confident in that choice.

Intro APR for Balance Transfers

Have you found yourself in credit card debt? Credit card balances can become hard to manage when both your balance and APR are high. Central Willamette Credit Union wants to help you tackle your debt and put you in a better financial position. That’s why we’re offering an intro APR balance of just 1.99% when you transfer your balance to our credit union.

Putting all your debt in one place can help you to better keep track of the balance. When you transfer your balance to CWCU, you’ll know that you’re in good hands with the Forbes number-two-ranked credit union in the state. And our 1.99% APR will be applied to your transferred balance for 12 months. In that time, the money you’re saving with your APR can be applied to your balance and help you to find your way out of debt even faster.

Little to no fees

At Central Willamette Credit Union, we like to keep our fees to a minimum. That’s why there’s no annual fee with any of our CWCU credit card options. Our balance transfers are another option that, unlike some other banking institutes, we don’t charge a fee for. We actually encourage balance transfers by offering a 1.99% APR on them for 12 months.

Other options, like cash advances, carry a low fee of just 2%, with a $10 minimum, to keep this offer on the table for our members without any high stakes. And our late payment fee is a reasonable $25. We want to encourage people to build their credit scores by using our credit cards, while only being charged fees when necessary.

Online payments

In the past, it was normal to have to go into a physical credit union location to pay your credit card bills. But that doesn’t always fit neatly into our members’ often busy lives and schedules. We don’t think paying your credit card bill should be a hassle, which is why we offer the option to pay your credit card bills from home.

When you have an account at Central Willamette Credit Union, you can pay your credit card bill from anywhere that has access to Wi-Fi. You can both find and pay your bill using our online portal on the computer. Access your Central Willamette account online at any. And if you want even more convenience, you can download the Central Willamette Credit Union app to pay your bill and have access to your banking on your phone wherever you go.

Reward options

Did you know it’s possible to get more than just good APR rates with a credit card? With some options, you can actually be getting money or credits toward something else when you make purchases. That’s why we have options like the Central Willamette Signature Rewards credit card.

With this option, you’ll be able to earn points as you use your card for everyday purchases. Specifically, you’ll earn 1.5 points for every dollar you spend on purchases. Those points add up quickly if you use your credit card often, and the options for redeeming those points make this credit card a popular option amongst our members.

Easy Application

Our credit card options are some of the best in the state, which is why we want to make them readily accessible for our members and potential members. With multiple ways to contact us at CWCU, applying for one of our credit cards is easier than ever.

One of the most popular ways people apply for our credit cards is in-person. We have six convenient physical locations in Oregon, located in Albany, Corvallis, Salem, and Lebanon. Our knowledgeable staff is available to answer all your borrowing questions and can assist you in applying for one of our credit cards face-to-face

Though our staff is readily available to assist you in the application process, sometimes it’s easier to just do it from home. Central Willamette Credit Union is happy to give people the option to apply for a credit card online. Our online application process is both convenient and easy to understand. We can also be contacted by phone or email form if you have any questions while completing the application from home.

There are many amazing benefits that go along with having a CWCU credit card. Become a member today so that you can join our large community of Oregon borrowers.