Credit union · NCUA insured
Mayo Employees Federal Credit Union Credit Card Rates
Top CarrotMayo Employees Federal Credit Union credit cards start at 11.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Mayo Employees Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Rochester, MN, where Mayo Employees Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Mayo Employees Federal Credit Union
11.00%APR
- Up to
- —
Visa Platinum
Lowest rate
Accentra Credit Union
9.90%APR
- Up to
- —
2nd-lowest rate
Wings Credit Union
10.74%APR
- Up to
- 21.74% APR
Mayo Employees Federal Credit Union credit card score
77
Credit card score
Higher than 43% of U.S. banks and credit unions
- Purchase APRPurchase APR11.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mayo Employees Federal Credit Union 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.
Visa Classic
Visa Classic offers a limit up to $5,000 and is great for building or re-establishing credit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 6.75% | None | Promotional rate for 12 months starting with the first qualifying transaction on purchases made between November 1, 2026 and December 31, 2026. After 12 months, rate returns to standard rate. Not valid on cash advances. |
| Ongoing | 15.00% | None | Variable APR based on the Prime Rate. Applies to purchases. |
| Ongoing | 15.00% | None | Variable APR based on the Prime Rate. Zero-fee balance transfers. |
Sources (2)
All captured Oct 16, 2026
Visa Platinum
Individuals looking for a larger line may be offered our Visa Platinum, which has a lower interest rate and limits available up to $25,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 6.75% | None | Promotional rate for 12 months starting with the first qualifying transaction on purchases made between November 1, 2026 and December 31, 2026. After 12 months, rate returns to standard rate. Not valid on cash advances. |
| Ongoing | 11.00% | None | Variable APR based on the Prime Rate. Applies to purchases. |
| Ongoing | 11.00% | None | Variable APR based on the Prime Rate. Zero-fee balance transfers. |
Sources (2)
All captured Oct 16, 2026
Visa Secured
Allows use of funds in savings account as collateral to determine credit limit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.75% | None | Variable APR based on the Prime Rate. Applies to purchases, balance transfers, and cash advances. |
Sources (2)
All captured Sep 18, 2026
Who can join Mayo Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Mayo Clinic (and affiliated entities) are eligible for membership.
- Retirees of Mayo Clinic (and affiliated entities) are eligible for membership.
- Volunteers of all Mayo-affiliated entities are eligible for membership.
Military, government and schools
- Students of Mayo Clinic are eligible for membership.
Family and household
- Relatives of current MEFCU account holders are eligible for membership.
- Blood or adoptive relatives, stepfamily members, household relationships, or family members in the care of qualifying Mayo Clinic employees, retirees, volunteers, students, or account holders are eligible for membership regardless of age or location.
Membership information collected October 4, 2026.