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Cooperative Federal Credit Cards

Cooperative Federal offers VISA Classic Credit Cards. Get a competitive rate as low as 8.45% variable APR,*with the added value of knowing that you're banking on financial justice and social responsibility. 

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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.


Interested? Download an application (pdf). You can fill this out and send it back by email, fax (315-476-0567), mail or delivery to any Coop Fed office. Or, simply request a paper application next time you stop by. If you have any questions, call the Personal Loans Department.

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


*APR is Annual Percentage Rate as of October 18, 2017. Rates are based on Credit Score. The APR 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 credit score.

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.