Credit Cards

Transfer balances from higher interest cards to your WCCU Visa.

  • Personal and business card options
  • Low interest rate, or rewards
  • Cash-back option
Personal and business card options
Low interest rate, or rewards
Cash-back option

Our cards offer all kinds of rewards

The choice is up to you. Save on interest with our low rates. Consolidate your total credit card debt using our low introductory rate for balance transfers. Enjoy rewards like cash back, travel, merchandise and even double the points when you shop locally. Choose the option that works best for you.

 

Low Rate Rewards Secured Business
0.00% Introductory APR* for new cardholders Yes Yes Yes Yes
No Annual Fee Yes Yes Yes Yes
Emergency Card Replacement Yes Yes Yes Yes
24-Hour Member Service Yes Yes Yes Yes
24-Hour ATM Access for Cash Advances Yes Yes Yes Yes
Free Travel and Accident Insurance** Yes Yes Yes Yes
Cash Back Yes Yes
Rewards*** - can be used for cash back, airline travel, or merchandise

1 point for every dollar

2 point for local purchases

1 point for every dollar

2 point for local purchases

Cash Advance 8.15% 9.15% 15.15% 9.15%
Credit Line $500 to $50,000 $500 to $50,000 $500 to $50,000 $500 to $50,000

FAQs

An additional fee that a merchant (retailer) adds to your credit card bill when you use a credit card for payment.
Look for signs or at the store entrance and the point of sale warning of merchant’s fee. Carefully review your receipt; merchants are required to disclose the the actual dollar amount of the surcharge.
They may not charge any more than the applicable merchant discount rate for the credit card transaction. The rates are generally between 1.5% to 3%, but in no case higher than 4%.
No. Regardless of how your debit or prepaid card is processed at the point of sale, surcharging is not permitted.
No. Merchants can choose to charge or not. The 10 U.S. States have laws restricting merchants from surcharge on credit cards are: California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma, and Texas.
To report excessive payment surcharges, or surcharging debit and prepaid card transactions, you can visit www.visa.com/checkoutfees and fill out the Report a Merchant Violation form.
For more information, you can visit www.knowyourcard.org.
*Disclosures and Details:
APR (Annual Percentage Rate) for purchases, balance transfers, and cash advances- A fixed introductory rate of 0.00% will apply through the first fifteen billing cycles of your account. After that, your variable APR will be 8.15% - 18.15% (as of 7/1/2021). This APR will vary with the market based on Wall Street Prime & credit worthiness.


WCCU Rewards Platinum Visa® Credit Card Cardholder Disclosure and Agreement
WCCU Low Rate Platinum Visa® Credit Card Cardholder Disclosure and Agreement 
WCCU Secured Visa® Credit Card Cardholder Disclosure and Agreement 
WCCU Business Platinum Visa® Credit Card Cardholder Disclosure and Agreement

Printable Applications:

WCCU Rewards Platinum Visa® Credit Card Printable Application
WCCU Low Rate Platinum Visa® Credit Card Printable Application 
WCCU Secured Visa® Credit Card Printable Application
WCCU Business Platinum Visa® Credit Card Printable Application (PDF)

**The Free Travel and Accident Insurance is offered, administered and underwritten by Central States Indemnity Co. of Omaha and also underwritten by Central States Health & Life Co. of Omaha, both of Omaha, Nebraska. For more information about this insurance program or to file a claim, call toll-free 1-800-445-6500. This Payment Protection Plan is not a deposit in the Westerly Community Credit Union; not NCUA insured; not insured by any federal government agency; and not guaranteed by the Westerly Community Credit Union.

***Rewards Program Disclosure and Details:

CURewards® Helpful Hints
CURewards® Disclosure and Agreement
 

Westerly Community Credit Union is a full-service credit union with Rhode Island branches in Westerly, Richmond and Wakefield.

Free Credit Report Review

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