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Savings/Share Certificates

With a variety of ways to save, Mid-Minnesota Federal Credit Union has programs for everyone, from the Wall Street investor to the "rainy day" saver. All savings provided by Mid-Minnesota are insured by the National Credit Union Administration (NCUA), an agency of the federal government, to $100,000. Read more about Excess Share insurance below.

Super Savers
A savings account that pays you interest based upon your average monthly balance. See our rate sheet for details.
 
Term Share Certificate
With a minimum deposit of $1,000 you can earn a higher return on your investment. Terms vary from 3 to 48 months. With an MMFCU checking you receive an additional .25%APY on your account. See our rate sheet for details. 
 
Term Share Certificate (Age 18 and younger)
Money doesn't grow on trees, but your kids will think so...   Mid-Minnesota members age 0-17earn great rates with traditional Term Share Certificates for 6, 12, 18, 24, and 36 month terms with a $100 MINIMUM DEPOSITPlus, increase your interest rate by .25%APY when the adult certificate holder has a checking account at Mid-Minnesota. Stop by or call today for details!
 
Money Market Savings
Earn more without a long term commitment. Minimum balance to open is $25,000. Dividends are compounded and paid monthly*. Access your funds with our 24-hour services include AMT, Phone Teller and PC Teller with a maximum of six transactions a month**. The more you invest the more you earn.

Tier Categories:  $25,000 - $49,999  |  $50,000 - $99,999  |  $100,000 - $249,999  |  $250,000+

*If balance falls below $25,000 in a given month a $15 fee will be assessed. ** A per item fee of $10 for each withdrawal or transfer in excess of six during a month will be charged.

Excess Share Insurance
Increased Savings Protection...  Member share savings at Mid-Minnesota is protected up to $350,000   THE HIGHEST LEVEL OF COMBINED FEDERAL/PRIVATE SHARE SAVINGS INSURANCE AVAILABLE. The coverage has become available through the addition of excess coverage from the Excess Share Insurance corporations (ESI).
 
ESI now provides $250,000 in coverage on top of the federal governments (NCUA) $100,000. Because Individual Retirement Accounts (IRAs) are insured separately, they are protected up to $350,000, as well. So, by maintaining your non-retirement savings and your IRA (retirement account) at MMFCU, you may now have a combined savings insurance of $700,000.  ESI is a wholly owned subsidiary of American Share Insurance (ASI), the nations largest private deposit insurer, and insures only credit unions meeting its high standards.
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