Credit Cards

Our straight-forward Credit Card, issued by Glenwood State Bank, a First National Bank of Osakis affiliate, boasts NO annual fees, NO cash advance fees, and a LOW fixed interest rate! Plus, earn 1% back on every purchase!

Credit Card Program

  • View your transaction history in Online & Mobile Banking!
  • Disable or enable your card instantly through our app!
  • Pay your statement in Online & Mobile Banking!
  • Pair your card with mobile wallet!
  • Free eStatements in Online & Mobile Banking!
  • Fixed, competitive interest rate of 14.90% APR!
  • Earn rewards points with every purchase!
  • Serviced by local people who care about you!

Rewards Program

Get rewarded for everyday spending! Earn 1% back on every purchase… big or small! Redeem your points for cash, travel, merchandise, and more!

Redeem your points for…

  • Cash: spend your earnings any way you want!
  • Travel: book flights, hotels, car rentals, cruises, experiences, and more!
  • Merchandise: browse thousands of popular items!
  • Gift cards: choose from hundreds of your favorite stores and restaurants!
  • Statement credit: reduce the balance of your current statement!

Be sure to take advantage of your points; they expire after 3 years!

Enroll in Credit Card eStatements

  • Click on your Visa-EMV card account
  • Select Settings
  • Select eStatements
  • Choose the Sign Up/Changes option
  • Check the box to enroll
  • Select Save
  • Agree to the disclosure

Apply for a Credit Card!

Important Numbers:

Activate your Credit Card or set PIN: (800) 290-7893

Credit Card Support: (866) 632-7970

Report your Credit Card lost or stolen: (855) 293-2458

Credit Card Details
APR for Purchases:14.90% fixed
APR for Balance Transfers:14.90% fixed
APR for Cash Advances:14.90% fixed
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.
For Credit Card Tips from the Federal Reserve BoardTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Setup and Maintenance Fees
Card Replacement:

Transaction Fees
Balance Transfer Processing:
Cash Advance Processing:
Foreign Transaction:

1.00% of each foreign currency transaction in U.S. dollars
Penalty Fees
Late Payment:
Returned Payment

Other Fees
Statement Copy Fee:
Rush Fee:
Stop Payment Fee:
Research Fee:
Sales Draft Copy Fee:
Annual Membership Fee:

$20.00 per request