Credit union · NCUA insured
VCCU Credit Card Rates
VCCU credit card rates start at 9.99% APR. Rates checked October 16, 2026.
How VCCU’s credit card rates compare
Compared with banks and credit unions in Minnesota, where VCCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
VCCU
– –
- Up to
- —
No ongoing APR published
Lowest rate
Greater Community CU
6.90%APR
- Up to
- —
2nd-lowest rate
Minnesota Power Employee Credit Union
7.90%APR
- Up to
- 15.90% APR
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.
VCCU VISA Credit Card
Rate varies based on the Prime Rate and is subject to change without notice. Not an introductory rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | Variable APR based on Prime Rate; no annual fee; rate is not an introductory rate. |
Sources (2)
All captured Oct 7, 2026
Who can join VCCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members and employees of cooperatives located in Virginia, Minnesota, and employees of the Credit Union.
- Membership is open to members of Lake Country Power, a member-owned utility.
Family and household
- Spouses of regularly qualified members, blood or adoptive relatives of either of them, and their spouses are eligible for membership.
- The surviving spouse of a regularly qualified member, and blood or adoptive relatives of either of them and their spouses may become members.
Cost to join
- Membership requires purchasing a $5.00 share in the Credit Union.
Membership information collected October 4, 2026.