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Credit Cards

We make it easy to choose the credit card that is right for you.

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  • Personal and Business cards
  • Low interest rate, or rewards
  • Cash-back option
Personal and Business cards
Low interest rate, or rewards
Cash-back option
Mortgage & Refinance Home Equity Auto Loans Personal Loans & Lines Loan Payment Protection Credit Cards

We make it easy

Choose the credit card that is right for you - Value, Everything Rewards, or a Premier Plus Rewards Credit Card. It’s the only card you need for everything you need to do.


Personal Credit Cards

 

WCCU Credit Card

Value

Spending power with a great low interest rate. Save on interest and pay down your credit card balances fast.

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MCConPlat-WesterlyCommCU5000-1.jpgEverything Rewards/Premier Plus Rewards
Earn points for every dollar spent, redeemable for cash back, travel, gift cards, merchandise, and more!

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Personal Credit Card Benefits

Review the key benefits of these credit cards and choose one that best fits your spending style.

Personal
Credit Cards
 
Value
No annual fees.1,2 Yes
2.9% introductory rate for the first six months.1,2 Yes
APR including cash advances and balance transfers.1,2 Lower Rate
24 hour Cardholder Assistance and easy online account access Yes
Contactless "tap and pay" plastics. Yes
Protect your card with card alerts. Yes
ID theft protection with Mastercard.® Yes
Rewards None

Personal
Credit Cards
 
Everything Rewards/
Premier Plus Rewards
No annual fees.1,2 Yes
2.9% introductory rate for the first six months.1,2 Yes
APR including cash advances and balance transfers.1,2 Competitive Rate
24 hour Cardholder Assistance and easy online account access Yes
Contactless "tap and pay" plastics. Yes
Protect your card with card alerts. Yes
ID theft protection with Mastercard.® Yes
Rewards

Earn rewards with every purchase:

  • Earn points that you can redeem for rewards.  Earn one point for each dollar spent, up to 10,000 points per month.2
  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.2 
  • To view or redeem rewards points, call 800.367.7576 or visit cardmanager 

Personal
Credit Cards
 
Value
 
Everything Rewards/
Premier Plus Rewards
No annual fees.1,2 Yes Yes
2.9% introductory rate for the first six months.1,2 Yes Yes
APR including cash advances and balance transfers.1,2 Lower Rate Competitive Rate
24 hour Cardholder Assistance and easy online account access Yes Yes
Contactless "tap and pay" plastics. Yes Yes
Protect your card with card alerts. Yes Yes
ID theft protection with Mastercard.® Yes Yes
Rewards None

Earn rewards with every purchase:

  • Earn points that you can redeem for rewards.  Earn one point for each dollar spent, up to 10,000 points per month.2
  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.2 
  • To view or redeem rewards points, call 800.367.7576 or visit cardmanager 

FAQs

Starting 4/7, your current WCCU VISA will no longer work. You should have received a new credit card in the mail. Please activate and use this new card moving forward. 
When you receive your card, activate it immediately. If you have enrolled in bill pay through your financial institution, update your payment address and credit card number. Update your credit card number on file for any recurring transactions, like any utilities, Netflix, Amazon, etc. Register your new account on www.cardmanager.net.
Yes, you can drop off your payment at the branch. It may take 24-48 hours to post to your account but it will be backdated to the date you dropped it off at the branch. You can also make payments online at www.cardmanager.net, via phone at 800-367-7576 or you can mail it to: Card Service Center at P.O. Box 569100, Dallas, TX 75356-9100.
These are not new charges. This is your existing balance from your current credit card which will be transfered over to your new credit card.
Yes, you will continue to receive the promotional rate until the promotional period is over. 
Payments made online or over the phone before 5:00 PM CT Sunday through Friday will post to the account the same day. Payments made on Saturday will post Sunday.
Yes. The easiest way to locate the app is from your mobile device, visit www.cardmanager.net and follow the link to download the new Card Center app. You can also go to your app store and search “Credit Card Center.” Scroll until you see the silver “Card Center” app.
If you have enrolled in a rewards program, you can access the rewards site at www.cardmanager.net.
Contact customer service at 800-367-7576 and they will be glad to transfer your account to a Visa and issue a new card and no additional cost.
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

Helpful Resources

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See how much you could save just by refinancing and moving your loans to WCCU.
1) Value Credit Card - Please see terms and conditions for additional information.
2) Everything Rewards/Premier Plus Rewards Credit Card - Please see terms and conditions for additional information.