Credit Cards

Purchasing power, perks, and convenience

Get a Visa® Credit Card from Central Minnesota Credit Union. Our rates start low and stay low. Plus, you'll always get the same low APR for purchases and cash advances. Get your card printed immediately at any of our convenient branches.

Using your CMCU credit card is simple


  • No annual fees
  • No early-payment fees
  • Make multiple payments in a month
  • Free Visa® credit card issued instantly at all branches
  • Emergency Card Replacement
  • Digital banking account with free Mobile App
  • Digital wallet service
  • Free eStatements
  • Emergency Credit Line Increases
  • 25 day grace period
  • ID Navigator Powered by NortonLifeLock

Which card is right for you?


The perfect card to help build credit

  • For new credit-card owners or low-credit applicants
  • -


Pay less in interest with a low APR

  • Travel and Emergency Assistance
  • Minimum credit limit: $2,500


Earn 1% CASH BACK on all purchases

  • Every purchase earns you money in your pocket.
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Click here to download the Credit Card Agreement and Disclosure
Classic A Disclosure  |  Visa - Standard Protection Package   |   Visa - Travel Accident Insurance

Annual Percentage Rate {rates are subject to change}

Get Started!

Apply online

Apply Online

New Members: Complete an application online.


Current Members: Apply in Digital Banking.


Visit a local CMCU branch

Local Branch

Central Minnesota Credit Union has 21 branches to serve you as well as access to 24,000 ATMs across the United States with MoneyPass.

View locations

Video chat with a CMCU team member

Video Banking

Talk to a CMCU team member virtually face-to-face. Learn More
Monday - Thursday: 8 AM - 5 PM
Friday: 8 AM - 6 PM
Saturday: 8 AM - 12 PM

Start Video Chat

Call us on the phone


Contact Center
Monday - Thursday: 8 AM - 6 PM
Friday: 8 AM - 7 PM
Saturday: 8 AM - 12 PM

(888) 330-8482

Maximize your credit card

CMCU's digital banking and services can help you optimize your finances by giving you the ability to access and manage your funds from anywhere.

Food delivery

Postmates Credit

New Cardholder Benefits Coming Soon: Save when you order delivery from restaurants and retailers on Postmates.

Stay tuned for more details

Visa SavingsEdge

Visa Purchase Alerts

Help reduce fraud and monitor your spending anytime, anywhere. With near real-time alerts, you can receive updates on your Visa card activity through text messages and email*.

Sign Up
Pay with your digital wallet

Digital Wallet

Using digital payment services such as Apple and Google Pay is simple, secure and it works with the devices you use every day.

Learn More
ID Navigator Powered by Norton Life Lock

ID Navigator Powered by NortonLifeLock

Your CMCU card includes ID Navigator Powered by NortonLifeLock, providing tools so you can act quickly if your identity is threatened.

Confirm Eligibility

*Actual time to receive Alert dependent on wireless service and coverage within area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for Alert service may vary by issuer. Additional restrictions apply. Data carrier rates may apply.

Additional Products and Services

Check out all of your other options you can utilize with CMCU's suite of products and services! Our team will work with you individually to ensure you're on track to reaching your financial goals.

Digital Banking

Optimize your accounts with our digital banking platform.


Choose from 3 different free checking accounts


Invest your hard-earned money and watch it grow.


Achieve your financial goals with a variety of loans.


Not a Member? Join us today!

  •  Wide variety of products
  • 21 convenient branch locations.
  •  Online and mobile banking
  •  24,000 ATM locations nationwide
  •  Online Bill Pay and eStatements
  •  Low interest rates on loans
  •  High interest rates on savings
  •  Free checking

become a member

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