Should I Consolidate My Debt?
Wondering if you should consolidate your debt? Use our DEBT CONSOLIDATION CALCULATOR to help you determine your next move.
Lost Your Card?
You can also get credit card information by calling 800-234-5354.
Existing Credit Card Balances?
VISA Card Services
At Minnesota Valley, we don't play games with our Visa Card. Other cards may have hidden fees or jumping interest rates that skyrocket after only a few months. We offer low rates, payment grace periods and no annual fee on a card accepted anywhere VISA is.
Our Visa Classic card has a variable rate which is currently at 10%*. Although the rate can vary it will never go higher than 14.9%.
Our 25 days grace period means no interest accrues on new purchases made with your Minnesota Valley Visa if you pay your balance in full each month.
What annual fee? There is no charge to carry the MVFCU Visa credit card.
Balance Transfer & Cash Advance Fees
We don't charge a balance transfer or cash advance fees. This can help you pay off credit cards from other issuers that are simply charging you too much money. One thing to remember is that finance charges beginning accruing the day after a balance transfer or cash advance as is standard with most credit cards. The cash advance and balance transfer rate is the same low rate of 10%*.
Visa Card Payment Protection
Because life never goes exactly as planned, expect the unexpected by protecting yourself and your family. Available for just pennies a day, this optional coverage will pay the insured balance of your Minnesota Valley Visa Card in the event of your disability or death.
*The Annual Percentage Rate (APR) is 10.00%. Your APR may vary. The rate is determined by adding 6.75% for purchases, cash advances and balance transfers to the Prime Rate. The Prime Rate is used to determine your APR and is the rate published in the "Money Rates" table of The Wall Street Journal on the statement cycle date of each month. LEARN MORE