Credit union · NCUA insured
West Community Credit Union Credit Card Rates
West Community Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How West Community Credit Union’s credit card rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where West Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
West Community Credit Union
9.90%APR
- Up to
- 22.90% APR
Platinum Mastercard
Lowest rate
FRB Federal Credit Union
7.50%APR
- Up to
- —
2nd-lowest rate
First Community Credit Union
7.90%APR
- Up to
- 16.90% APR
West Community Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where West Community Credit Union ranks
By credit card score, in each area where it has branches
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.
Platinum Mastercard
Applicants under 21 years of age must show proof of independent means of repaying the card or have an approved cosigner over 21 years of age. Rates, terms, and conditions may vary based on creditworthiness and qualifications and are subject to change.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90%–22.90% | None | Fixed rates range from 9.9% to 22.9% APR based on creditworthiness and qualifications. 25-day grace period on purchases when balance is paid in full monthly by due date. |
| Intro, 6 months | 0.00% | None | Introductory 0% APR on balance transfers for 6 months. Rate after promotional period ranges from 9.9% to 22.9% APR. |
Sources (3)
- westcommunitycu.org/applications/index.htm
- westcommunitycu.org/loans/credit-cards.htm
- westcommunitycu.org/rates/rates-loans.htm
All captured Oct 5, 2026
Platinum Mastercard with Rewards
Applicants under 21 years of age must show proof of independent means of repaying the card or have an approved cosigner over 21 years of age. Rates, terms, and conditions may vary based on creditworthiness and qualifications and are subject to change.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90%–22.90% | None | Fixed rates range from 11.9% to 22.9% APR based on creditworthiness and qualifications. 25-day grace period on purchases when balance is paid in full monthly by due date. |
| Intro, 6 months | 0.00% | None | Introductory 0% APR on balance transfers for 6 months. Rate after promotional period ranges from 11.9% to 22.9% APR. |
Sources (3)
- westcommunitycu.org/applications/index.htm
- westcommunitycu.org/loans/credit-cards.htm
- westcommunitycu.org/rates/rates-loans.htm
All captured Oct 5, 2026
Who can join West Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in St. Louis County, MO; St. Louis, MO; St. Charles County, MO; Warren County, MO; Franklin County, MO; Lincoln County, MO; Boone County, MO; Jefferson County, MO; Sikeston, MO; Madison County, IL; Monroe County, IL; or St. Clair County, IL.
Military, government and schools
- Membership is open to MIZZOU, Stephens College, and Columbia College students, faculty, staff, alumni, and student organizations.
Family and household
- Membership is open to anyone with a qualifying family member (parent, legal guardian, spouse, son, daughter, sibling, grandparent, grandchild, nephew, niece, uncle, aunt, first cousin, step, in-law, and adoptive relationships) living or working in any of the listed geographic affiliations, regardless of whether that family member is an existing member.
Cost to join
- Membership requires a $5 initial share deposit in a savings account.
Membership information collected October 4, 2026.