The Consumers Cooperative Association (Consumers CU Access) is a fintech account from Consumers Cooperative Association (Consumers CU Access). The annual fee is $0. The ongoing APR is 13.20% to 27.49% after a 0% introductory rate for 12 months. Signup bonus: $200 Bonus after making $1,000 in net new purchases within the first 90 days of account opening. Rewards: Earn a $200 Bonus^ +Get a special low rate. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Free membership in the Consumers Cooperative Association opens eligibility for Consumers Credit Union (CCU). CCU is known for extremely high APY checking accounts (up to 5%+), competitive credit cards, and excellent auto loan rates. Anyone is eligible to join — no geographic or employer restrictions.