Co-op Credit Union -- Plastic Cards


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VISA® CARDS

In today's world, it is difficult to get along without some kind of credit card or check card. Plastic has become the preferred "monetary unit" for many transactions. Your Co-op Credit Union can set you up with a Visa Credit Card or a Visa Debit Card.

Credit Card

By going through your Credit Union, you can have a Visa Credit Card that offers lower rates and fees and that means your Credit Union Visa card costs less every time you use it. There are no annual fees, no minimum finance charges and no transaction fees for purchases. Interest is computed on the average daily balance, including new purchases. Check your Visa credit card transactions online.

It's often confusing because there are so many credit card offers out there, but the Visa card offered by your Credit Union has the reliability that you've come to expect.

The annual percentage rate (APR) varies. The rate will be prime plus 6.5% APR, or 10.9% APR, whichever is higher. Prime is the prime rate listed in the rates section of The Wall Street Journal "Money Rates" table on the third Monday of each month prior to the month in which the billing date occurs.

If your Co-op Credit Union Visa card is lost or stolen, report it by calling 1-800-808-7230; after hours call 1-800-991-4964.

Debit and ATM Card

Use your Visa Debit Card to make purchases without writing a check. Plus...your Visa Debit Card will give you instant cash at over 220,000 Visa Network ATMs worldwide. Find an ATM wherever you are. ATM Locator List

Credit Union Visa cards are part of the Privileged Status ATM program. Members of participating Privileged Status financial institutions can use the ATMs of other participating Privileged Status financial institutions without paying surcharge fees. Find a Privileged Status ATM. Privileged Status ATMs

Present your card at the time of purchase and the amount will be deducted from your checking account. It's easy, convenient, and hassle-free because you do not have to show an ID or take the time to write out a check... and you get a receipt for your records. The transaction will be detailed on your monthly member statement.

Use your Debit Card instead of a check or as an ATM card everywhere Visa cards are accepted...in your home town and around the world.

With your credit card comes responsibility. Protect your identity. Here are some suggestions for Keeping Your Credit Cards Safe and some ATM Safety Tips

	The Co-op Credit Union is not liable for the content or availability of external links			Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.