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Shop Smarter

This season, use the credit card that works for you! The VCCU VISA card has no annual fee and a lower interest rate.

Celebrate this holiday with a VCCU VISA Card.

Deck the halls with low interest rates! Ring in the new year with no annual fees!

Shop smarter this holiday season. A VISA credit card from VCCU will leave a little extra jingle in your wallet.

The VISA credit card from Virginia Coop has no annual fee and annual percentage rates as low as 9.99%. This is not an introductory rate. Your interest rate will remain low year after year.

Getting your card is easy. Just click the link below and choose the Unsecured loan type then enter ‘credit card’ as your Reason for Loan.

Apply Online (loan type ‘Unsecured’)

Access Your VISA Account Online

* APR is annual percentage rate. This rate will vary based on the Prime Rate and is subject to change without notice.

VCCU VISA Credit Card

Stop in or call 218-749-5644.



811 4th Street North
Virginia, MN 55792


Lobby, Mon-Fri: 9 am - 5 pm
Drive-Up, Mon-Fri: 8:30 am - 5 pm

Contact Us

Phone: (218) 741-5644
Toll Free: 1-877-741-5644
Audio Teller: (218) 305-4068
Lost VISA Card: 1-800-325-3678
Lost Shazam MasterCard: 1-866-508-2693
Shazam Dispute Number: 1-833-288-1126

Email: vccu@vccu.org