Borrowing made easy

The second time was still quick.

Limited time offer: Reduce your credit card interest rate. Pay no transfer fee.

Move your high-interest credit card balance to a 1st Cooperative Visa Platinum card and pay no transfer free and only 6.99% APR* for the life of the balance. Act now. Offer ends April 20, 2021.

Learn how to get one below.


We wanted our members to have a great credit card that is

  • free and easy to use
  • has lower interest rates and
  • provides a generous awards program.

The Visa® Platinum delivers.

No annual fee to use the card.

No balance transfer fee when you consolidate multiple card balances. Get better terms and a convenient single payment each month.

No cash-advance fee at any financial institution or ATM displaying the Visa logo.

Grace period of 25 days interest-free on all new purchases.

Great rates as low as 8.50% APR.

Online access to review your account and make payments online.

Generous rewards for every dollar you spend for purchases. Earn points that can be redeemed for hotels, airline travel, electronics, gift certificates and more. When you receive your card, be sure to visit external link icon small-gold to sign up for great rewards every time you shop.

See application information below.

*APR = Annual Percentage rate.

6.99% APR applies to all balance transfers made between 2/1/2021 and 4/20/2021 for the life of these transactions. Normal rates will apply for all transfers made after 4/20/2021. Some restrictions may apply. See credit union for details.

How to get an application

Please contact us for an application. For security purposes, it must be completed on paper.

contact us

for a Visa Platinum application.

interest rates

Get interest rates for credit card accounts.


803-796-0234 M-F, 8:30 a.m. – 5 p.m.

Her Story

Joanne Emanuel and her husband have been members for 18 years, and they’ve learned that financial help is just a phone call away. The credit union helped them finance a new Buick in 2018 in a “couple of hours—all over the phone,” said Joanne. A year later, they were ready to buy an SUV. This time, Jo Ann, our COO, helped Joanne, our member (this could get confusing), with another loan, “and again everything was handled over the phone in just a few hours,” said Joanne, the member.

Whew! Glad the staff is on the ball. And, on the phone whenever you need them.