Credit Cards

Cooperative Federal Credit Cards

Cooperative Federal offers VISA Classic Credit Cards. Get a great low rate with the added value of knowing that you're banking on financial justice and social responsibility.

When you switch to Cooperative Federal with a free balance transfer, you can get lower interest rates, make lower payments, and pay off your balance faster.

Plus, when you pay interest to Cooperative Federal instead of a big bank, you're choosing to support your community.

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

  • Treat Yourself. Use BonusPoints for shopping, travel or music.
  • Give Back. Share your BonusPoints by donating them to a Syracuse nonprofit like Roots Uplifted, Women Transcending Boundaries, CNY SPCA, Refugee and Immigrant Self Empowerment, Good Life Foundation, Bread & Roses Collective and more!

Make payments, view transactions, and get statements by visiting eZcardInfo.com or calling 1-800-872-1712. Online payments are free and instant. Phone payments cost a $5 fee.

More payment options:

  • Pay Online with a Debit Card or Bank Account
  • Transfer funds from your Coop Fed account through Online Banking (1-2 business days processing time)
  • Bring a payment to one of our Office Locations
  • Mail a check to:
    • VISA
      PO Box 31279
      Tampa, FL 33631-3279
Credit Card Terms 
Annual Percentage Rate (APR)11.45% - 18.00%*
Grace Period25 Days
Balance Computation MethodAverage Daily Balance (including new purchases)
Annual FeeNone
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 2/15/2023 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.

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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.