Salal Credit Union

Credit Cards

We keep our credit card options simple by offering low rates and great benefits on four unique Visas: Rewards, Classic, Student, and Secured.

What makes our credit cards stand out from our competitors’ cards? Our fees. Or rather, our lack of fees. With a Salal Visa, you’ll pay:

  • NO annual fee
  • NO balance transfer fee
  • NO over-the-limit fee
  • NO penalty APR

And with Visa’s Zero Liability Policy, you are not responsible for unauthorized purchases made with your card or account information.

Apply for any of our credit cards using our secure online application or at any of our neighborhood branches. New and replacement contactless credit cards issued on the spot at any Salal branch.



Choose the card that’s right for you:
Rewards, Classic, Student, Secured.



Unlike most banks and credit unions, Salal doesn’t charge an annual fee for our Rewards credit card.

  • Earn one point for every $1 you spend in purchases
  • Earn one point for every $1 you bring over in balance transfers from other cards
  • Redeem your points online at any time for cash, travel awards, and gift cards

Already have a Rewards Visa? Here’s the Salal Visa Rewards online store.



This card offers our lowest rate, starting at just 12.74% APR*. Start minimizing your monthly payments and save money with a low-rate, no-fee balance transfer.

  • No annual fee
  • Free, secure and simple account access. Track your spending, monitor your account, and make payments online at any time.
  • Overdraft protection for your Salal checking account, up to your credit limit.



Having a credit card is a big responsibility for a young adult, but it’s an important step in building the good credit you’ll need to secure a car, home, or other type of loan in the future.

  • Get a jump on establishing a healthy credit history
  • Learn how to use credit wisely
  • Be protected against card theft and fraudulent charges

You need to be between the ages of 18 and 23 to apply. If you are 18 to 20 years old, you may need a co-applicant who is at least 21 years old, unless you can prove an income of at least $3,000 a year or the ability to repay debt.



This is our stepping stone for people who may have a hard time qualifying for one of our other Visa cards and is meant to help build or re-establish credit.
To open a Secured Visa, you’ll need a Salal savings or Money Market account with a minimum deposit of $550. Your credit limit is determined by the amount of your deposit with 110% cash required as collateral. For example, a $550 deposit will give you a credit limit of $500.
As you use your card, your savings will continue to earn interest, and your rate on the Secure Visa stays fixed at 18.00% APR. Consistent monthly payments and staying within your credit limit will help you get closer to being eligible for a Salal Rewards or Classic Visa.


You can request a mailed copy of your credit card agreement by calling our Virtual Branch at 800.562.5515 or 206.298.9394.


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*Variable Annual Percentage Rate (APR) between 14.74% to 18.24% for our Rewards card and 12.74% to 20.49% for our Classic card. APR is determined when you open your account and is based upon your creditworthiness. After that, your APR will vary with the market based on the Prime Rate. Initial APR of 18.00% for our Student Visa; however, your APR will vary with the market based on the Prime Rate. Fixed APR of 18.00% on our Secured card. Foreign Transaction Fee of 3% of each transaction in U.S. dollars for the Classic, Student, and Secured cards, and a Foreign Transaction Fee of 1% of each transaction for the Rewards card. Information on all cards is current as of April 16, 2023 and is subject to change without notice.