The cold never bothered us, anyway.
It may be cold outside - but hey, this is Michigan - since when did that stop any of us? Snowmobiling, ice fishing, snowshoeing, snowboarding, skiing, winter camping, ice skating - there's SO much to do! Brave the cold and cozy up with Wexford Community Credit Union's Winter Wonderland VISA Special! Enjoy a hot 1.99% APR* for 6 months after the first purchase date when you shop with your WCCU VISA at
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Dick's Sporting Goods®
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Jay's Sporting Goods®
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Dunham's Sports®
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Bass Pro Shop®
And to warm you up even more, after the 6 months is done, even if it's not fully paid off, interest won't be added retroactively – your standard APR simply applies**! Enjoy the winter wonderland for less with Wexford Community Credit Union!
Don't have a WCCU VISA yet? Learn how to apply for one below!
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*APR= Annual Percentage Rate. Offer is valid on qualifying purchases made at Jay's Sporting Goods, Dicks Sporting Goods, Dunham's Sports or Bass Pro Shops between 2/8/2026 and 4/31/2026. APR of 1.99% applies for 6 months from the date of the first qualifying purchase; after the promotional period ends, the standard purchase APR will apply to any remaining balance. Standard APR 8.25% to 18.00% **No deferred interest** – if the promotional balance is not paid in full by the end of the 6-month period, interest will accrue at the standard APR rate from the original purchase date, but no retroactive interest will be charged. Dunham's Sports, Jays Sporting Goods, Bass Pro Shop and Dick's Sporting Goods are all registered trademarks and the property of their respective owners. This promotion is not sponsored.
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WCCU VISA
Our low interest WCCU Platinum Preferred VISA credit card is the one card you can afford to carry. It’s perfect for shopping, travel, and unexpected expenses. Take advantage of the low rate savings and convenience it offers for managing your cash flow. As an added bonus, you will be able to accrue points with each purchase with the Scorecard® Rewards program to use on travel, merchandise, or discounts.
All Wexford Community Credit Union Loan and VISA accounts are serviced locally. So if you need assistance, you can call the branch and talk directly to a WCCU Card Specialist. No more call center processing and long hold times.
- Complete both pages of our VISA application, which you can pick up at either branch location or download.
- Provide proof of income – a copy of a recent paycheck stub, a copy of your W-2 form, or in cases of self-employment your last 2 years' income tax returns.
- Return the application to WCCU by mail, or in person at our Cadillac or Lake City branches. You can contact the CU and the application can be sent via secure file through email. No need to leave the house or pay for postage to apply!
Card Suite Lite
- Card Freeze/Unfreeze Capability: Members can temporarily disable and re-enable their VISA cards as needed.
- Expanded Location and Transaction Controls: FIS has introduced advanced controls, including:
- Merchant and regional transaction blocks.
- The ability to block transactions occurring more than 8 miles from the member’s current location.
- Extended Transaction History: Members will have access to 60 days of transaction history, up from the current 30 days.
- Real-Time Transaction Alerts: Immediate notifications for card activity will be available.
EZ Card
- Access statements and transaction information.
- Access ScoreCard Reward points.
- Analyze your spending.
- Provides access to pay VISA bills with other financial institution payment information.
Score Card Rewards
- Earn reward points! 1 point = 1 dollar spent unless a bonus point promotion is occurring.
- Use your VISA credit card at participating merchants during bonus point promotions to earn 2 points per 1 dollar spent.
- Points can be applied for discounts on travel, flights, gas, and more.
- Redeem points for items such as smart watches, air flyers, tumblers, and more.
- Daily entries for monthly sweepstakes starting as low as 50 points per entry!
If you qualify for a WCCU VISA, then you qualify for 2.99% on balance transfers!
Tired of high-interest credit cards and handling multiple bills? Now, you can get a WCCU VISA at 2.99% Balance Transfer APR* for 6 months when consolidating your credit card balances!
The transfer fee? 2% of the balance you’ll be transferring!
It’s simple. Apply for approval, get your WCCU VISA card, and contact our Card Services department to get started with your balance transfer. If you already have a WCCU VISA, contact Card Services to request the balance transfer form.
More Details:
- 2.99% applies to the transfered balance - member's normal APR applies to new purchases.
- 2.99% acts as a “cash advance” and will revert to the members cash advance APR after the promotional period.
*APR = Annual Percentage Rate. 2.99% Annual Percentage Rate for the first 6 billing cycles on balance transfer; after 6 billing cycles your card balance will revert to your approved card rate. Regularly between 8.25% APR to 18% APR. Additional limitations, terms and conditions may apply. Availability of offer based on creditworthiness. Please contact us for specific terms for WCCU VISA cards.
- As low as 8.25% APR*
- No Annual Fee
- No Application Fee
- 24/7 online account access
- Bonus points earned through Scorecard Rewards
- 25-Day Grace Period on Purchases
*The Credit Union’s Standard Rates as of February 1, 2023 range from 8.25% APR to 18.00% APR. The rates are variable and may change. The rate you qualify to receive may vary depending on individual credit history and underwriting factors. All WCCU loan programs, rates, terms and conditions are subject to change at any time.
Click to download:
VISA Application
VISA Account Closing Form
VISA PIN or Card Replacement Form
- Complete both pages of our VISA application, which you can pick up at either branch location or download.
- Provide proof of income – a copy of a recent paycheck stub, a copy of your W-2 form, or in cases of self-employment your last 2 years' income tax returns.
- Return the application to WCCU by mail, or in person at our Cadillac or Lake City branches. You can contact the CU and the application can be sent via secure file through email. No need to leave the house or pay for postage to apply!
- Minimum amount “secured” is $300.00
- If approved, you are locked in at 5% APR. If a request to unsecure the card is placed the interest rate would change based on the members credit score.
- Our VISA credit card is a revolving line of credit loan and requires interest to be paid on any unpaid balance.
- If your Visa card was lost or stolen and it is after business hours, please call 1-800-991-4961.
- Payments are due on the 15th of every month.
- To access your current Visa account online, login to ezcardinfo.com .
Save Even More!
When you transfer the balances from your high rate credit cards to your Wexford Community Credit Union VISA you will save with our low fixed rate. Just bring in your last credit card statement for accounts you would like to transfer, and we’ll transfer the balance to your WCCU VISA account.
