Credit

Cards

MasterCard Classic and Choice Rewards Credit Cards

We don't play card games. Other cards may have hidden fees or interest rates that skyrocket after only a few months. We offer low rates, payment grace periods and no annual fees.

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MasterCard Classic 

Interest Rate

Our Mastercard Classic card has a variable rate currently at 11.24%*.  Although the rate can vary it will never go higher than 14.90%.

Disclosures

*The MasterCard Classic Annual Percentage Rate (APR) is 11.24%.  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.  DISCLOSURE and AGREEMENT

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Choice Rewards Mastercard

Interest Rate

Our Choice Rewards MasterCard card has a variable rate currently at 14.24%*.  Although the rate can vary, it will never go higher than 18.00%.

Disclosures

*The Choice Rewards MasterCard Annual Percentage Rate (APR) is 14.24%. 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.  DISCLOSURE and AGREEMENT

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Incredible Rewards

Find rewards from a wide variety of categories — more than 6 million rewards in total. Earn points just by using your card and redeem them for an incredible selection of merchandise, travel options, event tickets and activities.

Earning Points is Easy! Here's How:

  • Shop: Make your everyday purchases with your Choice Rewards Card.
  • Earn: Online and In-store.
  • Watch Your Points Add Up: With so many opportunities to earn, your points will add up fast!

$1.00 Spent = 1 Reward Point (Points will be rounded to the nearest whole number)

  • $1.01 rounds to 2 points, $1.56 rounds to 2 points
  • $100 Spent = 100 Points
  • $500 Spent = 500 Points

You can redeem rewards points online at mnvalleyfcu.mycardinfo.com or by calling 888-642-4912.

Both Credit Card Options Include

Grace Period

Our 25 day grace period means no interest accrues on new purchases made with your Minnesota Valley MasterCard Classic if you pay your balance in full each month.

Schedule Your Payment

When you enroll in Online Credit Card you can schedule your payment to pull for the minimum payment, full payment, unbilled balance, or a flat dollar amount.

 

No Annual Fee

There is no annual fee to carry the Minnesota Valley MasterCard Classic or the MVFCU Choice Rewards Mastercard.

Get Your Statement Electronically

Estatements are a faster, more secure way to receive your Credit Card statement. In fact, eStatements arrive as many as 7 days sooner than paper statements. You can download your statement and save it, or print if you prefer a hard copy.

No Balance Transfer & Cash Advance Fees

We don't charge 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 begin 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 rate.  Not all ATMs allow Credit Card Cash Advances (cash withdrawals).

MasterCard 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 Choice Rewards MasterCard in the event of your disability or death.