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

Co-Op ATM logo Co-Op ATM logo

F&A's Share Secured Visa® is accepted worldwide and the perfect card to make purchases.

  • Standard APR* of 9.90% 
  • Credit lines ranging from $500 up to $10,000
  • The limit will be established based on 90% of the amount pledged by the card holder.
  • 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

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


APR for Balance Transfers 9.90%
APR for Cash Advances 9.90%
Penalty APR and When it Applies None.
Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers 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.

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. Requires a minimum $2,500 monthly income. 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.