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MMFCU VISA Cards with great Introductory Rate
MMFCU Consumer Credit Cards

Mid Minnesota offers a six month introductory rate of 1.99% APR 1 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.

1 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?

Classic Card

No annual fee and no   balance transfer fee. A       great card if you want to  keep a balance. 


Platinum Rewards Card

Earn points for every dollar you spend! Earn double    when you shop local6

Signature Rewards Card

    Earn more points at       certain stores or shops.   Enjoy the many benefits5!


Compare all three MMFCU VISA Cards


Credit Card Features > 

Mobile App for Managing your MMFCU Credit Card

MMFCU Cards mobile application icon

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 to protect against fraud
  • 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. 

Visa Credit Card Security

Credit Card Alerts and Controls for Protection.  

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 >


Verified by Visa®

Verified by Visa® provides a level of confidence for your online shopping. It protects you against unauthorized purchases on your Visa® credit or debit card when shopping online. Click Verified by Visa® to register your Visa® card.

Lakes Proud Logo

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 points6. Certain restrictions apply.

MMFCU is a strong supporter of Lakes Proud! Learn More >

Protection Services

For just a few pennies a month, you can rest assured your purchase is protected. Mid Minnesota offers several Protection Services designed to give you peace of mind. That makes sense, and cents!

1. APR= Annual percentage rate. Maximum APR=18% APR. 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.
2. For Variable Rate accounts, the interest rate is subject to change on the statement cycle date to reflect any change in the index and will be determined by the Prime Rate on the first day of each calendar month of each year as published in The Wall Street Journal “ Money Rates” table to which we add a margin. The Interest Rate will never be greater than 18%. Any increase in the Interest Rate will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new Index which is based upon comparable information.
3. Ask a credit union representative for complete CU Rewards and CU Select (Signature Rewards) Program Rules & Conditions.
4. Transactions must be posted to account with in the first 90 days of account opening.
5. See card terms and conditions for specifics.
6. Cardholders only receive double points for transactions that process in a MMFCU field of membership ZIP code. For example, if a local retail store does not process the transaction through a local ZIP code and processes it in another state, the purchase does not qualify. Eligible MMFCU ZIP codes.
7. New Mid Minnesota credit card holders only.
8. Rates shown as of 4/1/2022.

Visa Disclosures