Credit union · NCUA insured
Mid Minnesota Federal Credit Union Credit Card Rates
Top CarrotMid Minnesota Federal Credit Union credit card rates start at 9.99% APR. Rates checked October 16, 2026.
How Mid Minnesota Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Brainerd, MN, where Mid Minnesota Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Mid Minnesota Federal Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
Wings Credit Union
10.74%APR
- Up to
- 21.74% APR
2nd-lowest rate
Western National Bank
11.90%APR
- Up to
- —
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.
Classic Credit Card
No annual fee and no balance transfer fee. Foreign transaction fee of 1% of purchase. Other fees may apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0.00% introductory APR for the first 12 months/billing cycles on new purchases for new Mid Minnesota credit card holders. |
| Ongoing | 9.99%–18.00% | None | Post-promotional non-variable APR between 9.99% and 18.00% on purchases based on creditworthiness. |
Platinum Rewards Card
No annual fee and no balance transfer fee. Foreign transaction fee of 1% of purchase. Non-variable rate adjusted January 1 & July 1 based on individual beacon score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0.00% introductory APR for the first 12 months/billing cycles on new purchases for new Mid Minnesota credit card holders. |
| Ongoing | 10.99%–18.00% | None | Post-promotional non-variable APR between 10.99% and 18.00% on purchases based on creditworthiness; adjusted January 1 & July 1 based on individual beacon score. |
Premier Rewards Card
No annual fee and no balance transfer fee. Foreign transaction fee of 1% of purchase. Variable rate determined by the Prime Rate on the first day of each calendar month plus a margin based on individual beacon score; maximum APR 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0.00% introductory APR for the first 12 months/billing cycles on new purchases for new Mid Minnesota credit card holders. |
| Ongoing | 14.49%–18.00% | None | Post-promotional variable APR between 14.49% and 18.00% on purchases based on creditworthiness; Prime Rate plus margin based on individual beacon score. |
Who can join Mid Minnesota Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Becker, Cass, Crow Wing, Douglas, Morrison, Norman, Otter Tail, Todd, and Wadena counties, or the cities of Aitkin, McGregor, and Palisade, or select townships in Aitkin County are eligible for membership.
Family and household
- Immediate family members (including spouse, parent, stepparent, child, stepchild, grandparents, grandchild, brother, stepbrother, sister, or stepsister) of someone eligible through the service area are eligible for membership.
Cost to join
- Membership account opening deposit starts with as little as $5.
Membership information collected October 4, 2026.