Loans

Visa® Credit Cards

Low interest rates and great security safeguards. CoVantage Credit Union's Visa® credit cards have all the features necessary to be the best credit card in your wallet.

The best way to shop? With a credit card that fits your life.

Planning to do some shopping? You'll want to take along a CoVantage Credit Union Visa Credit Card. With options to fit the way you spend and save money, our low interest rate credit cards mean you can shop more or carry a balance. Apply online with ease today.

Choose the credit card that works for you!

Compare CoVantage credit card options side-by-side

Compare Great Rate Visa Credit Card ​​​​​​​ Cash Back Visa Credit Card
Current APR* as low as11.490%​​​​​​​ APR16.240%​​​​​​​ APR
Get a low rate, plusN/AEarn cash back on all purchases
Annual feeNoNo
Balance transfer and cash advance fee$2.00$2.00
Foreign transaction feeNoNo
EMV Chip enabled for maximum anti-fraud securityYesYes
Eligible for loan interest rebate programYesYes
MyCoVantage digital banking and mobile appYesYes
Online applicationYesYes
Credit Cards

Great Rate Visa® Credit Card

Best-in-class low interest rate, no annual fees, convenient online tools, and great security safeguards. The CoVantage Credit Union Great Rate Visa Credit Card fits the way you spend and save. Make payments, activate or freeze your card, or set up travel notifications using MyCoVantage Digital Banking.

Credit Cards

Cash Back Visa® Credit Card

A generous cash back rewards program, low interest rates, and great security safeguards. The CoVantage Credit Union Cash Back Visa Credit Card has all the features necessary to be the best credit card in your wallet. Earn cash back rewards on each purchase, cash advance, and balance transfer. Choose from rewards such as a statement credit, an electronic deposit, or a variety of gift cards.

Credit Cards

Business Rewards Visa® Credit Card

The CoVantage Business Rewards Visa Credit Card has a low interest rate, no annual fee, and a perk-filled rewards program, that gives you the power to buy what you need, exactly when you need it, to keep your business running smoothly. Receive 1 point for every dollar charged to your credit card.

Payments can be made more frequently on personal loans, vehicle loans, or credit cards. Mortgage payments are only accepted monthly.

CoVantage will mail a packet with loan information to every borrower, so watch your mailbox! If you provided an email address at the dealership, you will also receive an email with that information approximately one week after the loan closed. Please note that the loan may not close until one to three days after you sign at the dealership.

You can use MyCoVantage digital banking and mobile app to set up automatic payments from your CoVantage checking or savings account OR from another financial institution (also called an External Transfer). Set-it-and-forget-it using the Transfer/Pay feature today!

To set up a transfer from another financial institution within MyCoVantage, navigate to the Transfer/Pay tab, then select Manage External. Before you can set up a one-time or recurring transfer, you will need to Add a New External Account and create an account nickname you can use to reference the account within digital banking.

Once added, you will need to verify the account by confirming two small amounts to the external account. Then log into MyCoVantage and go back to the Transfer/Pay tab, select Manage External and enter the trial deposit amounts that were sent to the external account. After completing this step, the external account will be ready to use within Transfers.

Please note: External Transfers are not immediate, they are processed in 1 to 3 business days from the date scheduled, provided they are scheduled by 4pm. For example, if you have a loan payment due on Friday, January 15, you will want to schedule the transfer at least 3 business days prior, Tuesday, January 12, to ensure the funds are received by that date.

Unfortunately, if your loan payment becomes 30 days past due, your status as a CoVantage “Member in Good Standing” is jeopardized, which could also affect any digital banking services.  In addition, late payments on loans and mortgages may result in a late fee or negative reporting to credit bureaus. To avoid late payments, set up automatic payments using MyCoVantage digital banking and mobile app.

As a financial cooperative, we depend on all our members to contribute to the credit union and uphold their obligations. It’s working together and sharing our resources that allow us to offer lower loan rates, higher savings rates, and the quality products and services that are a part of the credit union experience. If you are having financial difficulties, please contact our Member Solutions team at 800-398-2667, ext. 2404 to discuss repayment options.

Member Patronage Payments

Each year, our Board of Directors decides how much to set aside to cover deposit dividends, operating costs, and other needs, including investments in technology, so that CoVantage stays relevant and has the growth needed to stay financially strong. Extra revenues are then returned to our member-owners in the form of Patronage, which we've been making since 1980.