Brainerd Savings & Loan Visa® Credit Cards


Providing coverage when you're in a pinch or earning rewards for everyday purchases. Brainerd Savings & Loan Visa credit cards are a valuable utility player to keep in your wallet. They provide payment when you need it and convenient online account management.

Our credit cards include:

  • Local servicing
  • Competitive rates
  • Worldwide exceptance
  • Fraud protection in EMV chip technology. Visa's Zero Liability program, real-time fraud monitoring
  • Your payments are applied to the highest interest rate balances first, meaning you pay less in total finance charges
  • Online account access to conveniently track your spending, make payments, and set up account alerts

    To report your card lost or stolen after hours, contact 844-664-5419.
    For after hours service of your card, contact 844-664-5419.


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Compare our Visa Cards

 Visa PlatinumVisa Platinum Plus
Minimum Credit Line$500.00$500.00
Maximum Credit Line$25,000.00 $25,000.00
Introductory Annual Percentage Rate (APR)*1.99% for 6 months from date of account opening.1.99% for 6 months from date of account opening.
APR, following introductory period10.50% - 17.99% Variable APR13.50% - 20.50% Variable APR
Purchases, Balance Transfers and Cash AdvancesThis APR may change based upon your creditworthiness.This APR may change based upon your creditworthiness.
Paying InterestYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases, if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases, if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest ChargeNone.None.
For Credit Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmoreTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore
Annual FeeNone.None.
Balance Transfer Fee3% of the amount of each transfer or $50.00 maximum, whichever is the lesser.3% of the amount of each transfer or $50.00 maximum, whichever is the lesser.
Cash Advance3% of the amount of each advance or $50.00 maximum, whichever is the lesser.
(Transaction maximum of $2,000 or 2 transactions per day)
3% of the amount of each advance or $50.00 maximum, whichever is the lesser.
(Transaction maximum of $2,000 or 2 transactions per day)
ATM$10.00
(Transaction maximum of $1,000 per day)
$10.00
(Transaction maximum of $1,000 per day)
Convenience Check$10.00$10.00
Foreign Transaction FeeForeign Currency Conversion Fee is passed on.Foreign Currency Conversion Fee is passed on.
Penalty Fees
Late Payment$27.00 first time, $30.00 thereafter.$27.00 first time, $30.00 thereafter.
Returned Payment$30.00$30.00
Over Credit LimitNone.None.
Features
Account AlertsYes.Yes.
Rewards ProgramNone.Yes, uChoose Rewards®.
*Some exceptions may apply: introductory rate is not applicable for secured credit cards.
How We Will Calculate Your Balance: We use a method called “Average Daily Balance (excluding new purchases).”
Loss of Introductory APR: We may end your introductory APR if you make your payment late. For more information, call Brainerd Savings & Loan at 1-800-430-5183.
How We Apply Your Payments: We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.
How Variable Interest Rates are Determined: After the introductory period, your interest rate is a variable rate and is determined by a combination of the Prime Rate (which may vary) added to a margin (which does not change). Because the Prime Rate may vary, your variable interest rate will go up or down if the Prime Rate changes. If you are granted an Account, the following rates on the Account are variable: Non-introductory Purchase Rate, Non-introductory Balance Transfer Rate, Cash Advance Rate and Convenience Check Rate. More information is available in the Cardmember Agreement.
Printable Application Rate Disclosure  Cardmember Agreement