Credit Cards

Transfer balances from higher interest cards to your WCCU Visa.

Apply Now Transfer Your Balance

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 & Balance Transfers	Yes	Yes	Yes	Yes
NEW Feature - Buy Now, Pay Later	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		1 point for every dollar
Credit Line	$500 to $50,000	$500 to $50,000	$500 to $50,000	$500 to $50,000
Cash Advance	13.40%	13.40%	20.40%	14.40%

FAQs

The Installment Payments program lets you pay off eligible purchases over a set period of time with a fixed APR and fixed monthly payments.

Buy Now, Pay Later

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 13.40 - 21.00% (as of 1/1/2024). 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, Wakefield, and Coventry.

Personal loans made more personal

Whatever your need, a personal loan could help.

Learn More!

WCCU helped my wife and I pay off our mortgage. We have been mortgage-free for over a year now and have gained financial freedom.

David I. of Charlestown

We joined right after WCCU opened. Needed a loan to pay off some bills. Everyone is so helpful and always has a smile for you. Always made me feel like part of the family. For me...the WCCU is the only place to bank! Thank you so much for such great service over the many years!

Gerry M. of Westerly

We joined the WCCU many years ago because we really got tired of the big banks with their big fees and lack of community. We stayed because they treated us like we mattered. They valued their members by offering great rates on mortgages and HEQ loans. When my husband became ill, they worked with us until we could get back on our feet. Only small hometown banks offer this type of service.

Deanna C. of Westerly

Credit Cards

Our cards offer all kinds of rewards

FAQs

Printable Applications:

***Rewards Program Disclosure and Details:

Helpful Resources

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