The Mid Minnesota Federal Credit Union is a personal credit card from Mid Minnesota Federal Credit Union. The annual fee is No Annual Fee. The ongoing APR is variable APR between 14.49% -18.00%APR based on creditworthiness after a 0.00% APR for the first 12 months on purchases and balance transfers, for new Mid Minnesota credit card holders introductory rate. Signup bonus: New cardholders spend $1,000 in the first 90 days and earn 10,000 bonus points. Rewards: 3 points for purchases at gas stations, 2 points for purchases at grocery stores, 1 point for every other purchase.