Take Your Pick
Whether you're looking to earn points for your everyday expenses, seeking a low rate to transfer balances from another institution and consolidate your high-interest debt, or if you're just starting out and want to build your credit, you've got options. Find a Central Willamette Credit Card that will best fit your needs by applying today!
Credit Union Give Back Sweepstakes

For more details on the Sweepstakes, click here. For Sweepstakes Rules, click here.
To participate in the Sweepstakes, you can also qualify by filling out the survey located in the "Alternate Entry" section under the "Rules and Alternate Entry" tab on this page. Respond to the survey questions for each desired week to enter the random drawing. The greater number of survey questions you answer, the higher your chances of winning! (Please note: Each person is limited to a maximum of four entries per monthly entry period, regardless of the entry method used.)
Not a Signature Rewards cardholder but want in on the fun? Apply for a Signature Rewards card today!
Signature Rewards
- Intro APR for Balance Transfers***: 1.99% for 12 Months
- Purchase APR**: 15.99% - 24.50%
- Penalty Pricing: No
- Variable Rate: Yes
- Rewards: Earn 1.5 points for every dollar spent on purchases
- Cash Advance Fee: 2% or $10 minimum
- Balance Transfer Fee***: None
- Late Payment Fee: $25
- Annual Fee: None
- Signature Rewards Disclosures
Platinum
- Intro APR for Balance Transfers***: 1.99% for 12 Months
- Purchase APR**: 11.99% - 23.50%
- Penalty Pricing: No
- Variable Rate: Yes
- Rewards: None
- Cash Advance Fee: 2% or $10 minimum
- Balance Transfer Fee***: None
- Late Payment Fee: $25
- Annual Fee: None
- Platinum Disclosures
Platinum Secured
- Intro APR for Balance Transfers***: None
- Purchase APR**: 20.50%
- Penalty Pricing: No
- Variable Rate: Yes
- Rewards: None
- Cash Advance Fee: 2% or $10 minimum
- Balance Transfer Fee***: None
- Late Payment Fee: $25
- Annual Fee: None
- Platinum Secured Disclosures
Introducing Digital Issuance: Access Your Credit Card Digitally
Central Willamette Credit Union is excited to announce our newest feature for all credit card holders: digital issuance. With digital issuance, you'll never be without your CWCU credit card again, even if your physical card is lost or stolen. Before your current card expires, add digital issuance to your mobile wallet and maintain purchasing power without missing a beat!
To make contactless credit card transactions at the checkout without the need for your physical card, simply access your CW Card Control app on your mobile device and tap "Add to wallet." Once added, your card is ready for digital payments, ensuring seamless and safe transactions. With CW Card Control, you can enjoy the convenience of making payments even if you don't have your physical card with you.
Important considerations:
- Please note that the image of the card in the app may not match exactly what is printed on your physical card, but everything else is exactly the same.
- If your card is lost or stolen, you can file a lost card report and get a temporary digital card to use while your new permanent card is being issued.
- Temporary cards should not be used to set up recurring payments or subscription services because the temporary card information will be invalid once you load your new permanent card details.
- Once the new permanent card arrives and is activated in the app or by phone, the permanent details will reflect on the Card Details screen.
Don't miss out on the convenience of digital card access.
Rewards
To redeem your credit card rewards, click here.
Frequently Asked Questions
Yes, you may make your credit card payment online from your Central Willamette account(s) by logging into Online Banking and clicking on Funds Transfer.
Yes, we offer unsecured personal loans and unsecured lines of credit. We also offer Home Equity Loans, which can be used for a number of reasons including consolidating debt.
You can join Central Willamette if you live or work in Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Multnomah, Polk, Shermer, Tillamook, Wasco, Washington, and Yamhill counties, or have an immediate family member that is a current member and you meet the eligibility requirements. You will need to provide a government-issues photo ID. With a deposit of only $5.00, you can open your membership account. You can apply for membership online or at one of our branch locations. For more information on becoming a member, just stop by one of our branches, call or text today. We can get you set up in a matter of minutes and then get you back to business.
**No purchase necessary. Open to Rewards Program cardholders, who are legal res of 50 US, DC & PR, 18+. Ends 10/29/2023. Void Where Prohibited. See Rules with free entry method: