Visa Classic

Visa Classic
Our popular Visa® Classic card gives you a low fixed or variable annual percentage rate and generous credit limits up to $5,000, meeting your needs day after day. Our Visa Classic card is accepted at more than 24 million merchants and 800,000 ATM and cash locations worldwide.

  • Online Account Access
  • Auto Rental Insurance
  • Emergency Cash & Card Disbursement
  • Lost / Stolen Card Reporting
  • Travel & Emergency Assistance
  • $250,000 Travel Accident Insurance
  • Verified By Visa
  • Zero Liability

All Co-op Services Visa cardholders also enjoy these great benefits:

  • No Annual Fee
  • Low APRs
  • Low Minimum Payments
  • 25-day Grace Period
  • Online Account Access
  • Lost/Stolen Card Reporting.


Annual Percentage Rate for Purchases (APR)9.00% Variable
11.90% Fixed
Other APRs
Balance Transfers APR
Cash Advances APR
9.00% Variable
11.90% Fixed
Penalty Rate APR18.00%
Variable rate information based on Wall Street Journal prime rateYour APRs may vary. The rate for Purchase, Balance Transfers and Cash Advances are determined monthly by adding Prime + 5.75%
Grace Period for repaymentAt least 25 days if previous total balance is paid in full by the payment due date
Method of computing the balance four purchaseAverage Daily Balance (including new purchases)
Annual FeeNone
Minimum finance chargesNone
Transaction fee for purchasesNone
Transaction fee for ATM advances$2.00
Return check fee$25.00
Late payment fee$25.00
Over limit fee$25.00
Balance Transfer Fee3% – min. of $10 and max. of $50
For Credit Card tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau

*Penalty Rate – If either of the following two situations occurs:
(a) your Account is 30 days past due on two separate occasions in a rolling six month period; or
(b) your Account is 60 days past due;
We may impose a higher monthly Periodic Rate and corresponding Annual Percentage Rate (a “Penalty Rate”) to all outstanding balances in your Account. The Penalty Rate is a monthly Periodic Rate of 1.50% with a corresponding Annual Percentage Rate of 18.00%. The Penalty Rate will take effect on the first day of the Billing Cycle and will apply to all of your outstanding and any new Purchase and Cash Advance balances. Interest rate changes will be