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Cooperative Federal Credit Cards

Cooperative Federal offers VISA Classic Credit Cards. Get a competitive rate as low as 9.25% variable APR,* with the added value of knowing that you're banking on financial justice and social responsibility. 

Apply Now

Click Apply Now to get started with an application. Provide your name and email when prompted and if you have a co-applicant include them as Signer 2. Attach a PDF of your valid Government ID to the form to expediate your application!

Save Big with a Free Balance Transfer

Stop worrying about your credit card payments -- switch to Cooperative Federal with a free balance transfer. The great rates and fair terms mean you can stress less, pay off your debt faster, or reduce your monthly payments.

Plus, when you pay interest to Cooperative Federal instead of a big bank, you're making the choice to support community finance.

What can a balance transfer do you for? When Jess transferred a $4,900 big bank credit card balance to Coop Fed, her interest rate went from almost 30% to just 8.2%. Now her monthly interest payment is $32 less, which means she can pay off the balance about four times faster.


Once you have a Coop Fed credit card, you can join our rewards program to earn a BonusPoint for every dollar you spend.

How to Apply

Interested? Apply Now to fill our an electronic application. If you have any questions, call the Personal Loans Department.

Coop Fed Credit Card Terms

Annual Percentage Rate (APR) 9.25% - 18.00 %*
Grace Period 25 Days
Balance Computation Method Average Daily Balance (including new purchases)
Annual Fee None
Minimum Finance Charge $1.00
Cash Advance Fee  $15.00 at counter; $0 at ATM
Late Payment Fee $25.00
Returned Check Fee $25.00

*The ANNUAL PERCENTAGE RATE is a variable rate that is based on the U.S. Prime Rate each month as published in the Wall Street Journal “Money Rates Table” on the first calendar day of each month, with a margin of 3.95%-15.95% added onto the Prime Rate depending on the member’s creditworthiness. Rates quoted as of 8/29/2022 and subject to change. By signing below, you are confirming your application for credit from Syracuse Cooperative Federal Credit Union. You certify that all statements provided in the application are true to the extent of your knowledge and no relevant information has been omitted. If there are any changes, you will notify the credit union in writing immediately. All loan applications are subject to approval, and your signature below authorizes the credit union to verify the information you’ve provided and to obtain additional information by contacting third parties, such as your place of employment as well as credit reporting agencies. You understand that if your application is approved, use of the credit card sent to you will constitute acknowledgement of receipt and agreement to all the terms of the credit card Agreement.

Check Your Balance

View your up-to-date credit card balance, transactions, and statements anytime by visiting or by calling 1-800-872-1712. 


To make an electronic payment immediately use (free), or call 1-800-872-1712 ($5 fee). 

You can also make a transfer using Web Teller or Phone Teller.

Mail payments to:

PO Box 31279
Tampa, FL 33631-3279


All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Contact us for current rates, terms and conditions.

Cooperative Federal is not responsible for content on external websites.