VISA® Credit Card

Whether you are shopping around the corner or around the world, your VISA® Credit Card provides the purchasing power you need.

Ask about our great Holiday Special of 5.99% APR on purchases made 10/1/20-12/31/20 good through 12/31/21.

  • Variable Rate
  • Credit limits up to $15,000
  • 1% Rebate on retail purchases *
  • No application fee
  • No annual fee
  • No balance transfer fees (see form below)
  • No cash advance fees
  • 25 day grace period on purchases
  • Liability Fraud Protection
  • Travel Accident and Auto Rental Insurance
  • VISA® Perks
  • VISA Alerts & Card Controls through our Mobile App.
Home of the Great Rate
TermRate / APR
Open end

Special*
9.99% / 9.99%

5.99% / 5.99%

Apply Now or Increase your Line

-or-

Call Us – we take applications by phone during branch hours (716) 632-9328.

* A 1% Rebate will be credited at each statement cycle to the cardholders account for all net retail purchases. Other restrictions may apply.

** VISA Special of 5.99% APR on all retail purchases 10/1/20-12/31/20 good through 12/31/21 (then 9.99% APR).


Share Secured VISA® Credit Card

If you need to establish credit or to help rebuild a positive credit history, this card is for you.  This card reports to all three credit bureaus (unlike pre-paid cards).

  • Variable Rate
  • No Credit History or Minimum Credit Score Required
  • Credit limits up to $1,000
  • Available credit line is determined by your secured deposit
  • 1% Rebate on retail purchases *
  • No application fee
  • No annual fee
  • 25 day grace period on purchases
  • Travel Accident and Auto Rental Insurance
  • VISA® Perks
  • VISA Alerts & Card Controls through our Mobile App.

 

Apply Now

-or-

Call Us – we take applications by phone during branch hours (716) 632-9328.

* A 1% Rebate will be credited at each statement cycle to the cardholders account for all net retail purchases. Other restrictions may apply.

So Easy – We offer a delivery system to streamline your loan process. We can send the loan documents to you via email to sign electronically and return so you don’t even have to come into the branch.  It is so simple, once completed we can put the proceeds directly into your Western Division savings or checking account , mail a check or wire the funds for you.


Transfer Your Balances

Consolidate your other higher interest rate cards, NO TRANSFER FEES, simply provide us with the following:

  • Payoff dollar amount(s)
  • Payee’s name, address and account number(s)
  • Copy of most recent statement(s)

Use one of these convenient options: