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Cooperative Federal Credit Cards

Cooperative Federal offers VISA Classic Credit Cards. Get a competitive rate as low as 7.70% variable APR,*with the added value of knowing that you're banking on financial justice and social responsibility. 

Apply Now*

*Clicking this link will take you away from Cooperative Federal is not responsible for content on outside websites.

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.


Interested? Apply Now to fill our an electronic application. Alternatively, 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 May 27, 2021. 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.