Credit union · NCUA insured
Cooperative Federal Credit Union Credit Card Rates
Cooperative Federal Credit Union credit cards start at 10.45% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Cooperative Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Syracuse, NY, where Cooperative Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Cooperative Federal Credit Union
10.45%APR
VISA Classic Credit Card
Lowest rate
Auburn Community Federal Credit Union
7.90%APR
2nd-lowest rate
Oswego County Federal Credit Union
7.90%APR
Cooperative Federal Credit Union credit card score
81
Credit card score
Higher than 55% of U.S. banks and credit unions
- Purchase APRPurchase APR10.45%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Cooperative Federal 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.
VISA Classic Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.45% | None | — |
| Ongoing | 11.45%–18.00% | None | Variable APR based on U.S. Prime Rate plus a margin of 3.95%-15.95% depending on creditworthiness. |
Sources (2)
All captured Oct 7, 2026
Who can join Cooperative Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in the City of Syracuse.
Employers and groups
- Eligible affiliates (such as employees, members, volunteers, directors, or residents) of participating Field of Membership nonprofits, associations, and local businesses.
Military, government and schools
- Students of Henninger High School and Nottingham High School; and employees, students, and families of Jowonio School and The New School.
Family and household
- Individuals who have an immediate family member or household member who lives, works, worships, or attends school in Syracuse.
Cost to join
- $5 minimum initial savings deposit to open a savings account.
- $10 one-time New Member Fee ($2 for youth under age 18), waived when account is opened online.
Membership information collected October 5, 2026.