3 Cards, Low Rates & Rewards Points!

WCTFCU offers 3 no-fee, low-flat-rate VISA® Credit Cards:
1. Platinum Visa Credit Card, with ScoreCard Rewards Points
2. Gold Visa Credit Card
3. Student Visa Credit Card
  • No Fees. Low Rates. All WCTFCU Credit Cards feature very competitive rates, and no annual fees.
  • EMV Chips. All WCTFCU Visa Credit & Visa Debit Cards are EMV Chip enabled for our Members’ Security
  • Balance Transfer. Why pay high interest rates & annual fees? Transfer your balances to a WCTFCU Visa card for low rates, no annual fee and no transfer fees! Pay just 2.99% APR for 12 months on transferred amount. Then pay your card's standard interest rate on balance due.
  • Activity Alerts. Opt-in to receive text &/or email alerts on the account activities you specify. (details below)
Compare VISA ® Cards Student
Platinum VISA ® ScoreCard Rewards
Interest Rate % APR 9.90% from 8.00% from 8.50%
No Fees (annual, monthly, other) checkmark checkmark checkmark
ScoreCard Rewards Points     checkmark
Free Cash Advance checkmark checkmark checkmark
Free Balance Transfers checkmark checkmark checkmark
Free Travel Accident Insurance checkmark checkmark checkmark
Free Travel & Emergency Services     checkmark
Warranty Services     checkmark
Free Auto Rental Collision Damage Waiver Insurance checkmark checkmark checkmark
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Protect your WCTFCU Visa Credit Card!

SecurLOCK Equip Mobile App

For an extra level of security and to safeguard your Visa credit card from fraud, WCTFCU credit card holders can now control access to their card utilizing an App, on a smartphone and tablet. 

Introducing SecurLOCK Equip  Our new Visa credit card security App, SecurLOCK Equip, enables our Visa credit card holders to control credit card usage and spending, via smartphone & tablet, by defining when, where and how the credit card is used.

The SecureLOCK Equip App lets credit card holders safeguard their card from fraud with customized alerts and the ability to set limits:
     • Turn your card ON and OFF anytime, right from your smartphone. Turn the card ON when you are ready to use it, and OFF when you are done using it.
     • Set Alerts to keep you aware of what’s happening on your card. Alerts can notify you immediately based on transaction amount, GPS location of card usage by identifying your phone’s location, merchant type, if a transaction has been denied, etc.
     • Control & Monitor Family Spending: Set limits for spending. Decide when, where and how they use your credit cards. Plus you can set other features and alerts as well.

Download the SecurLock Equip Visa Credit Card App from Google Play for Androids & the App Store for iPhones.

Traveling out of state? Call the branch so that we may note this on your account.

SecurLock FAQs.

VISA Credit Card Activity Alerts. Free Opt-in now!

VISA Alerts are easy to set up by cardholders who want to receive text &/or email, near real-time, notifications of the card activities that they select. You can
  • track specified card activity (ex. charges, payments, etc.)
  • track your spending habits (ex. charges over a set $ amount)
  • monitor your account for fraudulent activity (unfamiliar charges)
Alerts contain important information including purchase amount, retailer & location (if available), and the last 4 digits of your VISA card. Free for WCTFCU VISA cardholders, VISA Alerts can be a fraud alert tool, and a helpful  budgeting resource. VISA Alerts are a valuable tool for managing your account.

Other Visa Credit Card Links: