Credit union · NCUA insured
Magnifi Financial Credit Card Rates
Top CarrotMagnifi Financial credit cards start at 15.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Magnifi Financial’s credit card rates compare
Compared with banks and credit unions near St. Cloud, MN, where Magnifi Financial has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Magnifi Financial
15.00%APR
- Up to
- —
PLATINUM
Lowest rate
St. Cloud Financial Credit Union
9.99%APR
- Up to
- —
2nd-lowest rate
Notre Dame Federal Credit Union
11.15%APR
- Up to
- 18.00% APR
Magnifi Financial credit card score
62
Credit card score
Higher than 6% of U.S. banks and credit unions
- Purchase APRPurchase APR15.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Magnifi Financial ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
CASH REWARDS
Earn 1% cash back on all purchases. No annual fee. 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | Purchase APR 17.99% (monthly periodic rate 1.4992%). 25-day grace period for purchases. |
| Ongoing | 17.99% | None | Balance Transfer APR 17.99% (monthly periodic rate 1.4992%). Interest begins charging on transaction date. Balance transfer fee is None. |
| Ongoing | 18.00% | None | Cash Advance APR 18.00% (monthly periodic rate 1.5000%). Cash advance fee is $10.00 or 2.00% of the amount of each cash advance, whichever is greater. Interest begins on transaction date. |
Sources (3)
- mymagnifi.org/loans/credit-cards.html
- mymagnifi.org/pdf/Visa-CashRewards-Disclosure.pdf
- mymagnifi.org/rates/rates-credit-cards.html
All captured Oct 16, 2026
PLATINUM
Variable APR based on Prime Rate. Maximum APR 16.99%. Grace period 25 days for purchases if balance paid in full. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.75% | None | Variable APR based on Prime Rate (6.75% as of 12/10/2025) plus an 8.00% margin. Maximum APR 16.99%. 25-day grace period for purchases. |
| Ongoing | 15.50% | None | Variable APR based on Prime Rate plus an 8.00% margin. Maximum APR 16.99%. Interest charged from transaction date. |
| Ongoing | 18.00% | None | Cash Advance APR is 18.00% (monthly periodic rate 1.5000%). Fee is $10.00 or 2.00% of each cash advance, whichever is greater. Interest begins on transaction date. |
Sources (3)
- mymagnifi.org/loans/credit-cards.html
- mymagnifi.org/pdf/Visa-Platinum-Disclosure.pdf
- mymagnifi.org/rates/rates-credit-cards.html
All captured Oct 16, 2026
Visa Signature®
Earn 1% cash back on all purchases plus extra benefits and perks. No annual fee. Variable APR based on the Prime Rate (6.75% as of 12/10/2025) plus a margin, subject to change monthly on the first day of the billing cycle. 25-day grace period for purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.75% | None | Purchase APR is variable based on Prime Rate (6.75% as of 12/10/2025) plus a margin; 25-day grace period for purchases. |
| Ongoing | 18.00% | None | Cash Advance APR is 18.00%. |
Sources (2)
All captured Oct 16, 2026
Who can join Magnifi Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, volunteer, attend school, or conduct business in, and businesses and other legal entities in, specified counties across Minnesota, North Dakota, and Wisconsin.
Membership information collected October 4, 2026.