Skip Navigation

Apply Now!

Options for every life stage. 

MMFCU VISA Cards with great Introductory Rate

Mid Minnesota offers a six month introductory rate of 1.99% APR* on our Visa Signature Rewards, Visa Classic and Visa Platinum Rewards Credit Cards! Mid Minnesota's Credit Cards provide local servicing, low rates, flexible terms, and 24-hour account access. And, with several great cards to choose from, we have just the one for you.

*Intro rate ends after first six billing cycles; APR ranges from 8.99%-18% based on your credit history. Maximum APR=18%


Which is right for you?


MMFCU VISA Card Comparison Chart


Credit Card Features > 

Mobile App for Managing your MMFCU Credit Card

Enjoy on-the card management that's fast & easy!

We have a free app to help you manage your MMFCU credit cards on the go! Download MMFCU Cards app from  iTunes or Google Play now.

With this app you can do the following from any location at any time:

  • Lock or unlock card
  • View recent and pending transactions.
  • View next payment amount and due date.
  • View payment history.
  • Make a payment to your card.
  • Report a card lost or stolen.
  • Raise a dispute on any transaction.
  • Set travel notes.
  • Activate a card.

Click to get started or to review Frequently Asked Questions. 

Frequently Asked Questions. 

Another Security Option for your Credit Card 

Stay informed and in control with Credit Card Alerts & Controls that you can customize. Alerts can be initiated for your Mid Minnesota Credit Card such as:

  • Transactions that exceed a dollar amount determined by you
  • Available credit that falls below a dollar amount determined by you
  • Higher risk transactions such as: ATM cash withdrawals, international transactions, online purchases made (card not present)
  • Declined transactions

Credit Card Alerts & Control >

Shop Local and be Rewarded

Double Your Rewards Points

Support Brainerd Lakes businesses and all local businesses in Mid Minnesota's field of membership (FOM)! MMFCU is offering double CU Rewards® points to qualifying members on purchases made in any of MMFCU's FOM zip codes. Use MMFCU's VISA Platinum Rewards card to buy local and we'll double your points. Certain restrictions apply. 

MMFCU is a strong supporter of Lakes ProudLearn More > 

VISA Credit Card Security- EMV Chip-Enhanced Card

As part of Mid Minnesota’s commitment to protect our members, MMFCU's VISA Cards come with embedded EMV Chip & PIN technology which provides an extra layer of security to your Card transactions at participating retailers. This makes it more difficult for unauthorized users to access or copy your personal Card information. 

EMV Frequently Asked Questions

APR= Annual percentage rate. Maximum APR=18%. Loans subject to credit approval. Intro rate ends after first six billing cycles; post-promotional APR is variable and ranges from 8.99%-18% based on your creditworthiness.  1.99% intro rate applies to balance transfers and new purchases made six months from approval. Certain restrictions apply. Visa Disclosures