Credit union · NCUA insured
WCCU Credit Union Credit Card Rates
WCCU Credit Union credit card rates start at 11.00% APR. Rates checked October 16, 2026.
How WCCU Credit Union’s credit card rates compare
Compared with banks and credit unions near Baraboo, WI, where WCCU Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
WCCU Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
Oakdale CU
8.00%APR
- Up to
- —
2nd-lowest rate
Summit Credit Union
12.40%APR
- Up to
- 20.90% APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Emerald Cash Back (VISA Signature)
Ideal for members who qualify for a $5,000 limit. Rates based on creditworthiness and vary with Prime Rate. Minimum credit line $5,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.25%–18.00% | None | Rates are based on creditworthiness and will vary with the market based on the U.S. Prime Rate. Minimum credit line: $5,000. |
Sources (1)
- wccu.coop/credit-cards · captured Oct 5, 2026
Platinum VISA / Platinum MasterCard
Rates based on creditworthiness and vary with Prime Rate. Secured cards are only available in this program.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.00%–18.00% | None | Rates are based on creditworthiness and will vary with the market based on the U.S. Prime Rate. |
Sources (1)
- wccu.coop/credit-cards · captured Oct 5, 2026
Ruby Rewards VISA
Rates based on creditworthiness and vary with Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.50%–18.00% | None | Rates are based on creditworthiness and will vary with the market based on the U.S. Prime Rate. |
Sources (1)
- wccu.coop/credit-cards · captured Oct 5, 2026
Who can join WCCU Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any person residing or employed in Dane County is eligible.
Employers and groups
- Employees, members, or patrons of any cooperative operating in specified counties (and employees of associations/organizations of such cooperatives) who reside, attend school, own real estate, or are employed in Adams, Columbia, Crawford, Grant, Green, Green Lake, Iowa, Juneau, La Crosse, Lafayette, Marquette, Monroe, Richland, Sauk, Vernon, or Waushara County are eligible.
- Employees, members, or patrons of any cooperative operating in Dane County, and employees of associations or organizations of such cooperatives in Dane County, are eligible.
- Employees of WCCU Credit Union are eligible.
Family and household
- Immediate family members (including spouse, parents, stepchildren, and children, whether or not residing in the same household) of eligible persons, and any other relative of an eligible person or spouse residing in the same household, are eligible.
Other ways
- Customers of record at Citizen’s Community Federal Bank effective January 17, 2014 are eligible.
2 more ways to join
Other ways
- Organizations, associations, and trusts meeting specified eligibility criteria (location or majority eligible leadership/beneficiaries) are eligible.
- Public depositors may become members in the manner provided in WCCU’s bylaws.
Membership information collected October 5, 2026.