1st United Bank (MN)
Offers Elan Financial’s credit card portfolio.
21st Century Bank (MN)
Offers Elan Financial’s credit card portfolio.
Accentra Credit Union (MN)
Offers a personal rewards credit card through uChoose Rewards. Does not specify earning rate.
Also offers a special 6-month Certificate that earns 4.55% APY (minimum $500) and an 18-month Certificate that earns 4.36% APY (minimum $10).
Adrian State Bank (MN)
Does not appear to offer credit cards.
Affinity Plus Credit Union (MN)
The personal Premier Select Rewards card has a 35,000 point signup bonus ($2,500 within 90 days) and offers 1.25 reward points per dollar.
The Business Rewards card has a 40,000 point signup bonus ($4,000 within 90 days) and offers 1.5 reward points per dollar.
Also offers a Superior Money Market account that earns 4.00% APY on balances up to $25,000, and 3.50% APY on balances above $25,000 with a monthly direct deposit of $500 or more and enrollment into eStatements. Also earns 4 points (worth 0.8 cents each) per $1,000 in average daily savings balances.
Alexandria Schools Employees Credit Union (MN)
Does not appear to offer credit cards.
Alliance Bank (MN)
Does not appear to offer credit cards.
American State Bank of Grygla (MN)
Offers Elan Financial’s credit card portfolio.
Americana Community Bank (MN)
Does not appear to offer credit cards.
Anoka Hennepin Credit Union (MN)
Offers three different personal credit cards, none of which earn rewards.
Arcadian Bank (MN)
Does not appear to offer credit cards.
Arlington State Bank (MN)
Offers a personal rewards platinum card from TCM bank’s credit card portfolio. 1 point per dollar on net purchases.
Associated Bank (OH, IL, IN, MI, MN, MO, TX, WI)
Offers Elan Financial’s credit card portfolio.
Associated Healthcare Credit Union (MN)
The Visa Signature Rewards card earns 2 points per dollar on medical purchases and 1.5 points per dollar on all other purchases and has a signup bonus of 20,000 points after spending $2,000 in the first 90 days. Members can choose between cashback and points through CURewards.
Also offers a special 14-month certificate that earns 5.00% APY (minimum $5,000), a special 24-month IRA certificate that earns 5.24% APY (minimum $5,000), and a special 48-month IRA certificate that earns 4.48% APY (minimum $5,000). At least 50% of the certificate investment must be New Money (funds not on deposit at AHCU), or else the rates are reduced by 1% (4.00%, 4.24%, and 3.48%, respectively).
Austin City Employees Credit Union (MN)
Offers a Platinum Preferred Visa card with no annual fee.
Bank of Maple Plain (MN)
Does not appear to offer credit cards.
BankCherokee (MN)
Offers Elan Financial’s credit card portfolio.
BankVista (MN)
Offers Elan Financial’s credit card portfolio.
Also offers a 6.00% APY Kasasa Cash Checking account on balances up to $25,000 with a monthly online banking login, enrollment into eStatements, and 10 monthly debit card transactions. The Kasasa Cashback Checking offers 2% back on up to $400 in transactions a month.
BankWest (MN)
Does not appear to offer credit cards.
Blaze Credit Union (MN)
Offers a personal credit card through CURewards that earns 1.5 points per dollar on net purchases. 13,334 point bonus ($200) after spending $1,000 in the first 90 days.
Bonanza Valley State Bank (MN)
Does not appear to offer credit cards.
Brainerd BN Credit Union (MN)
Does not appear to offer credit cards.
Bridgewater Bank (MN)
Offers TCM Bank’s credit card portfolio.
Building Trades Federal Credit Union (MN)
The BTCU credit card has no annual fee and earns rewards. The website does not specify what those rewards are.
Also offers a special 7-month Certificate of Deposit that earns 5.12% APY (minimum $5,000).
Cambridge State Bank (MN)
Offers Elan Financial’s credit card portfolio.
Carpenters Credit Union (IA, MN, ND, NE, SD, WI)
Does not appear to offer credit cards.
Castle Rock Bank (MN)
Does not appear to offer credit cards.
Catholic United Federal Credit Union (IA, MN, ND, SD, WI)
Does not appear to offer credit cards.
CenBank (MN)
Offers Elan Financial’s credit card portfolio.
Centricity Credit Union (MN)
Offers Elan Financial’s credit card portfolio.
Cities Credit Union (MN)
Offers a Visa credit card through uChoose Rewards.
Citizens Alliance Bank (MN, MT)
Does not appear to offer credit cards.
Citizens Bank & Trust Co. (MN)
Offers a personal and business rewards platinum card from TCM’s credit card portfolio. 1 point per dollar on net purchases.
Citizens Bank Minnesota (MN)
Offers Elan Financial’s credit card portfolio.
Citizens Independent Bank (MN)
Offers TCM Bank’s credit card portfolio.
Citizens State Bank Norwood Young America (MN)
Does not appear to offer credit cards.
Citizens State Bank of Roseau (MN)
Does not appear to offer credit cards.
Citizens State Bank of Waverly, Inc. (MN)
Does not appear to offer credit cards.
City & County Credit Union (MN)
The personal and business Platinum Rewards Mastercards offers 1% cashback on all purchases.
Commerce Bank (MN)
Business / private only banking institution that does not appear to offer credit cards.
Community Bank Mankato (MN)
Offers Elan Financial’s credit card portfolio.
Community Bank Owatonna (MN)
Offers a personal and business rewards platinum card from TCM’s credit card portfolio. 1 point per dollar on net purchases.
Community First Bank (MN)
Does not appear to offer credit cards.
Community Resource Bank (MN)
Offers Elan Financial’s credit card portfolio.
Concorde Bank (MN)
Offers a personal and business rewards platinum card from TCM’s credit card portfolio. 1 point per dollar on net purchases.
Connexus Credit Union (IL, MN, WI, or nationwide with a $5 donation)
Offers Elan Financial’s credit card portfolio.
Co-op Credit Union of Montevideo (MN)
Offers a personal rewards credit card through uChoose Rewards. Does not specify earning rate.
Cornerstone State Bank (MN)
Offers Elan Financial’s credit card portfolio.
Crow Wing Power Credit Union (MN)
Does not appear to offer credit cards.
Also offers a 9-month CD that earns 5.25% APY (minimum $1,000, new money only) and a 1-year IRA CD that earns 4.94% APY (minimum $1,000).
Crown Bank (MN)
Does not appear to offer credit cards.
Currie State Bank (MN)
Does not appear to offer credit cards.
Danfoss Employees Credit Union (MN)
Does not appear to offer credit cards.
Deer River Coop Credit Union (MN)
Offers low APR credit cards. Details are not available on the website.
Deerwood Bank (MN)
Offers Elan Financial’s credit card portfolio.
Drake Bank (MN)
Offers Elan Financial’s credit card portfolio.
Duluth Police Department Employees Credit Union (MN)
No idea because they don’t have a website.
Duluth Fire Department Credit Union (MN)
No idea because they don’t have a website.
Eagle Bank (MN)
Offers Elan Financial’s credit card portfolio.
Eagle MaxReward Checking offers 4.01% APY on up to $20,000 with monthly direct deposit, enrollment in eStatements, and 20 debit card purchases. Monthly fee of $4.95 is reduced by $0.25 for each debit card purchase (free after 20 transactions).
Electric Machinery Employees Credit Union (MN)
Offers a Visa credit card.
Ely Area Credit Union (MN)
Offers a Platinum Visa credit card. Details are not available on the website.
Elysian Bank (MN)
Does not appear to offer credit cards.
Embarrass Vermillion Federal Credit Union (MN)
Offers a Visa credit card with no annual or cash advance fees.
Entre Bank (MN)
Offers TCM Bank’s credit card portfolio.
ESB Bank (MN)
Offers TCM Bank’s credit card portfolio.
Expedition Credit Union (MN)
The Platinum Rewards Visa card earns 1.5% cashback on net purchases and has a sign-up bonus of $100 after spending $2,500 in the first 90 days.
Also offers a High Yield Checking account that earns 3.00% APY on balances up to $20,000 with monthly online banking login, enrollment in eStatements, and 12 debit card transactions.
Fairmont School Employees Credit Union (MN)
No idea because they don’t have a website.
Farm Credit Employees Federal Credit Union (MN)
Does not appear to offer credit cards.
Farmers & Merchants State Bank of New York Mills, Incorporated (MN)
Does not appear to offer credit cards.
Farmers and Merchants State Bank of Alpha (MN)
Does not appear to offer credit cards.
Farmers and Merchants State Bank of Appleton (MN)
Does not appear to offer credit cards.
Also offers a 5.00% APY Kasasa Cash Checking account on balances up to $10,000 with a monthly direct deposit, enrollment into eStatements, and 15 monthly debit card transactions. The Kasasa Cashback Checking offers 3% back on up to $250 in transactions a month.
Farmers and Merchants State Bank of Pierz (MN)
Does not appear to offer credit cards.
Farmers and Merchants State Bank of Springfield (MN)
Offers Elan Financial’s credit card portfolio.
Farmers State Bank of Hamel (MN)
Offers a personal and business rewards platinum card from TCM’s credit card portfolio. 1 point per dollar on net purchases.
Farmers State Bank of Hoffman (MN)
Does not appear to offer credit cards.
Farmers State Bank of Trimont (MN)
Does not appear to offer credit cards.
Farmers State Bank of Underwood (MN)
Does not appear to offer credit cards.
Also offers a 4.00% APY Kasasa Cash Checking account on balances up to $15,000 with a monthly login, enrollment into eStatements, and 12 monthly debit card transactions. The Kasasa Cashback Checking offers 2% back on up to $300 in transactions a month.
Federated Employees Credit Union (MN)
Offers Elan Financial’s credit card portfolio.
Also offers a 3-month Share Certificate that earns 5.09% APY (minimum $100 for Kids Club certificates, minimum $1,000 other certificates).
Financial Security Bank (MN)
Offers Bravera Bank’s credit card portfolio.
Also offers a 3.00% APY Kasasa Cash Checking account on balances up to $10,000 with a monthly direct deposit, enrollment into eStatements, and 12 monthly debit card transactions. The Kasasa Cashback Checking offers 3% back on up to $250 in transactions a month. The Kasasa Tunes Checking offers a $20 rebate on iTunes and Amazon purchases upon account creation, then a $10 rebate every month thereafter.
First Alliance Credit Union (MN)
Offers a rewards credit card that earns 1.5 points per dollar on net purchases. Also offers 2,500 points when approved, 1,000 points on the member’s birthday, and 1,000 points on card anniversary.
First Bank Blue Earth (MN)
Does not appear to offer credit cards.
First Pace Credit Union (MN, WI)
Offers a credit card with no annual or balance transfer fees.
Genisys Credit Union (MI, MN, PA, or Nationwide with a donation)
Offers 1 point per dollar, which can be redeemed for gift cards or merchandise. No signup bonuses.
Great River Federal Credit Union (MN, or nationwide with American Consumer Council membership)
Offers a rewards credit card that earns 3% at gas stations, 2% at grocery stores, and 1% cashback on all other purchases.
Also offers a 25-month Share Certificate that earns 4.28% APY for classic and youth / teen members and 4.33% APY for premier members.
Greater Community Credit Union (MN)
Offers a personal Visa card with no annual fee. Does not appear to earn rewards.
Also offers a 12-month IRA Share Certificate (Traditional & Roth) that earns 5.25% APY (minimum $1,000) and a Coverdell Savings Share Certificate that earns 5.25% APY (minimum $250).
Harbor Pointe Credit Union (MN, WI)
The Classic Visa with Rewards earns 1 point per dollar, which can be spent on gift cards, merchandise, and transaction credits.
The Premier Black Visa card earns no rewards in exchange for a slightly lower interest rate.
The Share Secured Visa or Share Secured Student Visa requires a security deposit, but offers a choice between the Premier’s lower interest rates and the Reward’s earning rates.
None of these cards have an annual fee.
Heartland Credit Union (MN)
The Platinum Rewards card and the Visa Signature card both have no annual fee and earn 5 points per dollar at gas stations, 3 points per dollar at supermarkets and restaurants, and 1 point per dollar on all other purchases.
Also offers the Automatic Savings account which earns 3.00% APY (requires minimum $10 deposit every month).
Hibbing Co-op Credit Union (MN)
Offers a credit card with an interest rate of 12.9%. Does not earn rewards.
Hometown Credit Union (MN)
The Hometown Classic credit card has no annual fee and earns no rewards.
Also offers a 7-month Share Certificate that earns 5.00% APY.
Ideal Credit Union (MN)
Offers a personal and business rewards card through CURewards.
Latvian Credit Union (MN)
Does not currently offer credit cards.
Leading Edge Credit Union (MN)
Offers Platinum Preferred Rewards Scorecard Visa card. Earning rates and annual fee are not available on the website.
Also offers a 36-month Share Certificate that earns 4.60% APY (minimum $500).
Magnifi Financial Credit Union (MN)
Offers a personal and business rewards card that earns 1% cashback on net purchases.
Mayo Employees Federal Credit Union (MN)
Offers a personal rewards credit card that earns 1% cashback on net purchases.
Also offers a Youth Savings (4.50% APY) and Teen Savings (5.50% APY) Certificate of Deposit. The Youth Savings certificate has a maximum deposit balance of $5,000 and matures when the child reaches 13 years of age. The Teen Savings certificate has a maximum deposit balance of $8,000 and matures when the teen reaches 18 years of age. Any withdrawal prior to maturity will result in a penalty of all dividends earned.
Members Cooperative Credit Union (MN)
Offers Elan Financial’s credit card portfolio.
Metropolitan Services Credit Union (MN)
Does not appear to offer credit cards.
Mid Minnesota Federal Credit Union (MN)
The platinum rewards card offers 1 point per dollar on net purchases. The premier rewards card offers 3x points at gas stations, 2x points at grocery stores, and 1 point per dollar on all other purchases. Also offers a 10,000 point bonus for spending $1,000 in the first 90 days.
The business platinum rewards card offers 3x points at gas stations and office supply stores, 2x points at grocery stores, and 1 point per dollar on all other purchases.
Minnco Credit Union (MN)
Offers a personal and business credit card with no cash advance, balance transfer, or annual fees. Does not appear to earn rewards.
Also offers a 5.00% APY Kasasa Cash Checking account on balances up to $20,000 with a monthly direct deposit, enrollment into eStatements, and 12 monthly debit card transactions. The Kasasa Cashback Checking offers 1% back on up to $500 in transactions a month.
Account holders ages 13-22 can open a StepUp Student Spending Account and earn 5.00% APY on balances up to $1,000 with no requirements.
Minnesota Catholic Credit Union (MN)
Offers a credit with no balance transfer fees through ScoreCard Rewards.
Minnesota Power Employees Credit Union (MN, or nationwide when owning 5 shares of ALLETE (ALE))
Offers a low interest rate credit card and a rewards earning credit card. APR and earning rates are not listed on the website.
Minnesota Valley Federal Credit Union (MN)
The Choice Rewards Mastercard offers 1 point per dollar on net purchases.
Also offers an 8-month Share Certificate that earns 5.14% APY (compounded quarterly, minimum $500).
Mower County Catholic Parishes Credit Union (MN)
Offers Mastercard’s credit card portfolio.
Mower County Employees Credit Union (MN)
Does not appear to offer credit cards.
My Credit Union (MN, or nationwide with a $25 tax-deductible donation to Bloomington Crime Prevention Association (BCPA))
Does not appear to offer credit cards.
North Memorial Federal Credit Union (MN)
The Visa Lifestyle card has no annual fee. The Visa Classic and Visa Platinum cards have a $25 annual fee that is waived if the cardholder pays off their balance every month and does not incur any financial charges.
North Shore Federal Credit Union (MN)
Offers a Visa credit card through CURewards.
Also offers a 7-month Share Certificate that earns 5.11% APY (minimum $2,500) and a 13-month Share Certificate that earns 4.59% APY (minimum $2,500.
The e-Venture checking account earns $5 / month in cashback but does not specify earning rates. Also offers a Patronage Rewards account that earns 10.00% APY, based on the amount saved and borrowed by the member in a calendar year.
North Star Credit Union (MN)
Offers a personal and business Visa card that has no annual, balance transfer, or cash advance fees.
Northern Communities Credit Union (MN)
Offers a Visa card that earns 1 point per dollar on net purchases.
Also offers a 12-month (Youth) Share Certificate that earns 5.00% APY (minimum $1,000 for share certificates, minimum $250 for youth certificates).
Northern States Power St. Paul Credit Union (MN)
Offers a credit card through ScoreCard Rewards. No annual or balance transfer fees.
Northridge Community Credit Union (MN)
Does not appear to offer credit cards.
Offers a 6-month and 12-month CD that earns 4.577% APY (minimum $500 for 6-month, minimum $1,000 for 12-month).
Northwoods Credit Union (MN)
The Platinum Rewards card earns 1% cashback on net purchases and has a sign-up bonus of 5,000 points after spending $1,000 in 90 days. The application page also refers to cashback as “miles,” so I’m not entirely sure what rewards program Northwoods actually uses, but it’s definitely 1 cent / mile / point per dollar.
Also offer 60-month Share Certificates that earn 5.116% APY on balances up to $49,999.99, 5.221% APY on balances $50,000.00 – $99,999.99, and 5.326% APY on balances $100,000.00 and more.
Novation Credit Union (MN)
The Platinum Rewards Visa earns 1 point per dollar on net purchases and has a sign-up bonus of 10,000 points after spending $3,000 in 90 days.
Also offers the 11-month Jump Up Certificate that earns 5.00% APY (minimum $500, new money only).
Pipefitters Steamfitters Credit Union (MN)
Offers a Visa credit card with no annual or balance transfer fee.
Proctor Federal Credit Union (MN)
Does not appear to offer credit cards.
Red Lake Co-op Federal Credit Union (MN)
Does not appear to offer credit cards.
Red Wing Credit Union (MN)
Offers a personal rewards credit card through uChoose Rewards. Earns 1 point per dollar on net purchases and has no annual fee.
Riverview Credit Union (MN)
Does not appear to offer credit cards.
Share Advantage Credit Union (MN)
Offers an Advantage Rewards credit card through uChoose Rewards. Earns 1.25 points per dollar on net purchases and has no annual fee.
The Credit Builder Advantage credit card has a $25 annual fee and does not earn rewards.
The Gold Rate Advantage credit card has no annual fee and has the lowest interest rate in exchange for not earning rewards.
Also offers a special 17-month Share Certificate that earns 5.15% APY (minimum $500, maximum $100,000, new money only).
Sharepoint Credit Union (MN)
Offers 1 point per dollar and 1% cashback on net purchases personal credit cards. The business card also earns points per dollar but does not list earning rates.
Also offers a 7-month Share Certificate that earns 5.40% APY and a Holiday Saving account that earns 4.00% APY on balances up to $1,500.
SMW Federal Credit Union (MN)
The SMW Visa card has no annual fee and offers 1 point per dollar or 1% cashback on net purchases.
Also offers a special 7-month CD that earns 4.50% APY (minimum $25,000) and a special 13-month CD that earns 5.00% APY (minimum $25,000). If at least $25,000 of the money invested is new money (not on deposit at SMWFCU), the rate increases by 0.25% (4.75% and 5.25%, respectively).
Also offers a referral program (referrer gets $50 and referred gets $25 for joining + $10 for each additional account that they open). Requires a physical form that must be filled out and brought into a local branch. Bonus is paid 45 days after opening a shares account.
South Metro Federal Credit Union (MN)
The Gold Rewards card has no annual or balance transfer fee and earns 1% cashback on net purchases. The Business Rewards card has no annual fee and earns 1.5% cashback on net purchases.
Also offers a special 7-month Share Certificate that earns 5.30% APY (minimum $1,000).
Southpoint Federal Credit Union (MN)
The Visa Rewards card offers 1.5% cashback on up to $100,000 in purchases a year.
Also offers a small business and corporate rewards business credit card, but does not publicly list what the rewards are.
The EzMoney Savings+ account is available to account holders 24 years old and younger and offers 4.07% APY on balances up to $5,000. Balances above $5,000 earn 0.15% APY.
St Cloud Federal Credit Union (MN)
Offers a personal credit card that earns 1 point per dollar on net purchases (0.8%).
Also offers a Diamond checking account that earns 7.00% APY on balances up to $2,500.00, 3.50% APY on balances $2,500.01 – $5,000.00, 2.50% APY on balances $5,000.01 – $10,000.00, and 1.50% APY on balances $10,000.01 and above.
Maintaining Diamond membership requires an active SCFCU credit card or auto loan, enrollment in eStatements, and a combined 15 transactions between the SCFCU credit card and Diamond Checking debit card each month.
St Paul Federal Credit Union (MN)
Offers a Visa credit card that earns 1 point per dollar on net purchases.
Also offers a rewards checking account that earns up to 4.99% APY on balances up to $20,000 with two monthly direct deposits of $500 or more, monthly online banking login, enrollment into eStatements, with the actual % APY based on the amount of monthly debit card transactions made (average purchase amount $5.00 or more):
- 2.99% APY after 20 debit card transactions
- 3.99% APY after 40 debit card transactions
- 4.99% APY after 60 debit card transactions
Star Choice Credit Union (MN)
Offers two varieties of the Platinum Mastercard with either ScoreCard Rewards (1 point per dollar) or cashback (0.5%) on net purchases. No annual or balance transfer fee.
Teamsters Credit Union (IA, MN, ND, SD)
Does not appear to offer credit cards.
Topline Financial Credit Union (MN)
Offers a personal and business rewards platinum card that earns 1.5% cashback on net purchases. Topline also occasionally runs promotions to earn 2-5% back on certain categories.
Toro Federal Credit Union (MN)
Offers Elan Financial’s credit card portfolio.
Participates in Co-op shared branches so there are no Toro FCU locations; you just walk into another participating credit union with your Toro member ID.
Trades & Labor Federal Credit Union (MN)
Offers a Visa credit card with no cash advance fees. Must be 21 to open a card in your own name.
Transit Operations Federal Credit Union (MN)
Does not appear to offer credit cards.
TruStar Federal Credit Union (MN)
Used to offer Elan Financial’s credit card portfolio, but is in the process of changing their credit card lineup (01/27/2024).
TruStone Financial Credit Union (MN, WI)
Offers up to 1.5% in cashback or reward points and $100 for spending $1,000 within 90 days. Cardholders may be liable for taxes on earned cashback.
Two Harbors Federal Credit Union (MN)
Offers a personal rewards credit card through uChoose Rewards. Has no annual, balance transfer, or cash advance fees. Earning rates not listed on the website.
Also offers a 12-month Share Certificate that earns 5.10% APY and an 18-month Share Certificate that earns 5.00% APY (minimum $2,500 non-IRA, $2,000 IRA).
United Employees Credit Union (MN)
Offers a Visa credit card with no annual or cash advance fee.
Also offers a 12-month Share Certificate that earns 4.80% APY (minimum $1,000).
Virginia Coop Credit Union (MN)
Offers a VISA card with no annual fee.
Wakota Federal Credit Union (MN)
Offers Elan Financial’s credit card portfolio.
Also offers a special 5-month Certificate of Deposit that earns 5.00% APY (minimum $500, maximum $100,000).
Also offers a referral program (both parties get $25 for each of the following that the referred opens: 1) a Checking Plus account with direct deposit, enrollment in eStatements, and a debit card, or; 2) a Certificate of Deposit with $500 or more, or; 3) a secured loan of $5,000 or more.
West Metro Schools Credit Union (MN)
Offers a Visa credit card that earns cashback rewards. Earning rate is not listed on the website.
Wings Financial Credit Union (FL, GA, MI, MN, WI, WA)
-1.5% in cashback or 2% in rewards points.
-$100 signup bonus for spending $1,000 within 90 days.
Joining the credit union is a hard pull.
No idea because they don’t have a website.