Routing No: 322078383 | NMLSR ID# 421486 | DMV (ELT)# K29

Co-Op ATM logo Co-Op ATM logo

F&A's Premier Rewards Visa® program might give you the best of both worlds - low rates and rewards! As an F&A Premier Rewards VISA cardholder you'll enjoy:

  • A rate as low as 8.90% APR*
  • Rewards that don't expire, including cashback, travel and gift cards
  • Earn 1 point for every $1 spent
  • Credit lines ranging from $5,000 up to $25,000
  • 21 day grace period (Purchase Only)
  • No Annual Fees
  • No Over Limit Fees
  • No Cash Advance Fees
  • Free Overdraft Protection
  • No-cost Fraud Protection with $0 deductible

Learn more about Extra Awards!

Other Premier Rewards Visa benefits:

Traveling outside the US? Be sure to check the fraud prevention safeguards we've put in place.

Ready to apply? Login to Online Banking and navigate to Accounts and select Loan Application.

Have questions? Call us at 800-222-1226 or visit one of our branches.

Important disclosure information, please read!

Interest Rates and Interests Charges
Annual Percentage Rate (APR) for Purchases 8.90%-15.50%
APR for Balance Transfers 8.90%-15.50%
APR for Cash Advances 8.90%-15.50%
Penalty APR and When it Applies None.
Paying Interest Your due date will be at least 21 days after the close of each billing cycle. We will not charge you interest on new purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Annual Fee None

Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction


1% of each transaction in U.S. dollars

Penalty Fees

  • Late Payment
  • Returned Payment
  • Over the Credit Limit

Up to $20
Up to $5

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Billing Rights: Any information on my rights to dispute transactions and how to exercise those rights is provided in my account agreement.

Loans Quoted are APR (Annual Percentage Rate). Rates and Terms are subject to change without notice.

To apply, log into Online Banking and navigate to Accounts, select Loan Application. You can also call us at 800-222-1226 or visit one of our branches.

The signature of a co-signer who has attained the age of 21 is required. Otherwise, the borrower must submit proof of their independent ability to make the required payment arising from the proposed extension of credit in connection with the account. Other restrictions may apply.

*APR= Annual Percentage Rate. Other terms and conditions may apply, ask for details. Rates are accurate at time of publication. All rates subject to change. Your actual rate is determined by your credit score and VISA card type.

We help our members reach their financial goals at every life stage by providing access to the highest value products, superior service, and trusted advice.

Daily Maintenance

For your security, F&A Online and Mobile Banking will be updated and unavailable nightly from 10:00 p.m. to 10:10 p.m. We appreciate your understanding.