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Credit and Debit Cards

Competitive Terms and Great Benefits

As an EMV 3-D Secure financial institution, we are authorized to issue both Mastercard® credit and debit cards to our members, each with competitive terms and benefits. Read on to learn more about our credit and debit options.

Our Credit Cards


Classic Card Rate*


Our Mastercard® Classic Card offers exceptional benefits and includes some of the most competitive terms you’ll find anywhere!

Instant IssueLow fixed-rate of 14.9% APR*
24/7 Fraud Monitoring and AlertsNo Annual FeeMastercard’s® ZERO Liability Guarantee

*APR = Annual Percentage Rate

Apply for a Credit Card

Terms and Conditions


Platinum Card Rate*


Our Mastercard® Platinum Card offers you greater flexibility and ease for your purchases. With a non-variable interest rate of 8.9% APR* and no annual fee, you can enjoy the same low rate for purchases and cash advances.

Instant IssueIntroductory 0% APR* for the first 6 monthsLow fixed-rate of 8.9% APR*
24/7 Fraud Monitoring and AlertsNo Annual FeeMastercard’s® ZERO Liability Guarantee

*APR = Annual Percentage Rate

Apply for a Credit Card

Terms and Conditions

Our Check/Debit Cards

Mastercard® Debit Card

When you open a checking account with The District, you will receive a free, instant-issue Mastercard® Debit Card, which you can use anywhere Mastercard® is accepted to spend directly from your checking account. Or use it to make withdrawals from your checking account at any CO-OP Network® ATM nationwide.

No Annual FeeOver 30,000 Surcharge-Free ATMsInstant Issue
24/7 Fraud MonitoringWorldwide Access to Your Checking AccountMastercard’s® ZERO Liability Guarantee

Open a Checking Account

Mastercard® Gift Cards

We make it easy to give a cash gift with the Mastercard® Gift Card, with amounts available from $25 to $1,000. These gift cards are welcome anywhere Mastercard® debit cards are accepted, including retail stores and online merchants, so you won’t have to worry about finding that perfect gift.

Contact Us for a Gift Card

New Security and Control for Cardholders

CardNavSM by CO-OP introduces unprecedented, real-time control over your debit and credit cards through your smartphone or tablet. You decide how and when your cards can be used, stopping unauthorized purchases before they happen. You can even use CardNav to set personal spending limits that help you stay within your budget goals.

  • Turn cards on or off in seconds.
  • Use GPS to restrict transactions to businesses within a designated area.
  • Limit card use to specific merchants or purchases.
  • Receive real-time, in-app alerts that let you stop unauthorized purchases before they’re complete.
  • Receive alerts when you’re getting close to any personal spending limits you’ve set.

If you do become the victim of identity fraud of any kind, you can turn to us to be put in touch with an identity recovery advocate. Click here to learn more about our identity recovery services.

Download the CardNav by CO-OP app today and protect your cards and your finances.

Tools to Stay On Top of Your Debt

To learn more about how credit and debit cards work, as well as how to manage your debt, please check out our free education center. 

Use this calculator to see what it will take to pay off your credit card balance, and what you can do to meet your repayment goals.

And don’t forget to use Checkfree, our free online bill pay service, to set up automated payments on your credit card. You choose what day to pay, your maximum spend limit, and which account you want to pay from.