Credit Cards

Our Credit Card program gives you the purchasing power of the VISA® logo with competitive rates and terms. This is a program that offers long term savings with no annual fee, low interest rates, a grace period of 25 days on purchases, and various balance transfer specials.

Apply Now using our online application system.

UChoose Rewards is a valuable points-earning benefit for WCFCU Visa® Check Card and Credit cardholders. Click here to learn more.

Click here to report a lost or stolen card.


Annual Percentage Rate
for Purchases:
7.99% up to 17.00%
When you open your account based on creditworthiness
Annual Percentage Rate
for Balance Transfers:
5.99% up to 17.00% Ask about our Special Offer!
The interest rate for this special offer is based on creditworthiness. The interest rate granted for the balance transfer special is valid for the life of the balance and the special offer is available until 9/30/15.
Annual Percentage Rate
for all regular Cash Advances:
How To Avoid Paying Interest on Payments
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips From The Federal Reserve Board
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at:

Set-Up And Maintenance Fees

Annual Fees: NONE
Lost Card Replacement: $10.00
Copy of Statement/Draft: $10.00
Rush Card order: $20.00
Unauthorized Use/Card Pickup: $50.00
Cash Advance: $5.00
Transaction Fees None
Penalty Fees
Late Payment: up to $25.00
Return Check Fee: $25.00

How We Will Calculate Your Balance: We use a method called "Average Daily Balance" (including new purchases). See your account agreement for more details.

The information about the costs of the card described in the application is accurate as of 1/1/17. This information may have changed after the date. To find out what may have changed, call 203-791.9399. Or you may write to: Western Connecticut Federal Credit Union, VISA® Department, 2 Stony Hill Rd Ste 100, Bethel, CT 06801.

Quick Links
Apply for a Loan Now
Mobile Banking App
Internet Banking/Bill Pay
Report Lost/Stolen Card
ATM Locations
Type APR*
Personal Loans6.49%
Home Equity Line2.75%
New Auto up to 60 months2.49%
Type APY**
Save to Win! 0.552%
48 month Certificate1.359%
48 month certificate1.005%
* APR may vary month to month based on the Prime Rate. All rates disclosed are dependent on your credit rating. Other rates and terms may apply, please contact the credit union for details.
** APY as high as amount shown. APY=Annual Percentage Yield. Rates subject to change.