Recognizing Today's Top Scams
Recognizing Today's Top Scams: Learn to identify and protect yourself from the most prevalent scams in today's digital age.
Weather Related Closure:
Our Ada Office will be closing for the day today, Tuesday, December 9 at 12:30pm due to inclement weather. We apologize for any inconvenience this may cause.
Discover theCredit Union Difference
Owned and led by members like you,
we’re proud to live and serve locally.
Achieve Your Financial Goals
Start Investing Directly From Your Checking Account!
We’ve partnered with InvestiFi to provide you a new investment portal and a straightforward, secure way to start building a portfolio to pursue your financial goals –all within your existing online banking experience. You can buy, sell and hold cryptocurrencies, stocks, and ETFs (Exchange-Traded Funds) with no additional apps to download.
Grow Your Nest Egg
Our NEW High Yield Savings Account allows you to protect what you’ve built and focus on what's next with rates as high as 3.40%APY**. Financial peace of mind comes from knowing your money is safe; financial freedom comes from watching it grow. Our High Yield Savings account is designed to be the foundation of your wealth.
Homeownership just got more affordable!
Mid Minnesota Federal Credit Union is proud to partner with the Federal Home Loan Bank of Des Moines to offer Mortgage Rate Relief, a unique product that provides eligible households a more affordable path to homeownership.
Loans to help you at every step of the way
Borrowing at a credit union is simple
We offer loans for homes, autos, school, personal use and recreation. Whatever you need, at any stage of life, we’re here with advice and coaching to find what’s right for you.
Autos & Motorcycles
Rates as low as
3.94% APR^
Classic Credit Card
Rates as low as
9.99% APR
Home Equity Line of Credit (HELOC)
Rates as low as
7.00% APR
KASASA Cash® Checking
Rates as high as
5.00% APY
Your local credit union is invested in your business’ growth
We grow better together. That’s why we offer perks to business banking members. Like competitive borrowing rates, payroll processing, free ACH payments, and credit card rewards. And, of course, you can expect convenient and personalized service from us.
We’ve got you covered
Insurance is a key piece of your financial plan. But that doesn't mean it should be complicated. We'll help you find the right coverage within your budget to ensure you're protected.
Let’s grow together
Wondering how to get started or how much to invest? Share your goals and dreams with us and we'll work to bring them to life. Your financial growth is important to your local credit union.
Why Choose MMFCU?
It's time to do banking differently. At MMFCU, we believe that true financial growth can only happen when we all grow together. Credit union banking is rooted in locals serving locals, for the good of our community. We care about this community because it's our home too. When you progress, so do we and in turn, we help others do the same. Owned by members (that's you!) and led by members-that's the credit union difference.
The Guide to Identity Security: From Awareness to Action
This Identity Theft Awareness Week, we equip you with the right tools to protect yourself against identity theft.
Winter 2026 Location News
Location news for Mid Minnesota Federal Credit Union for Winter 2026. Stay up-to-date on what is happening across our field of membership.
President's Message Winter 2026
MMFCU President shares his inspiring message on community growth and financial confidence.
We want you to join us
Start a new chapter in your life with a credit union career at Mid Minnesota. We’re invested in you, your career growth and providing resources to help you on your path. At MMFCU, your job is so much more! Because Together We Grow.
Credit Union Banking Everywhere
Banking anywhere you are is easy with MMFCU's Mobile App.
Need help or have questions?
Chat with one of our expert staff:
*APY=Annual Percent Yield. APY accurate as of 1/1/2026 and may change after account opening. Opening balance of High Yield Savings Account is $75,000. High Yield Savings Account (HYSA) have tiered balances of $200,000 or more, and $75,000 to $199,999. If balance falls below $75,000, an APY of 0.07% will be earned as of 1/1/26. Fees may reduce earnings; a $15 service fee will occur if minimum balance is not maintained and a $10 fee for each withdrawal or transfer beyond six per monthly statement period. HYSA is not available for business accounts. Dividends are based on the Credit Union’s earnings and cannot be guaranteed. Each member is federally insured up to $250,000 by the National Credit Union Administration.
Investment advisory services provided by AdvisiFi, LLC (“AdvisiFi”), an investment adviser registered with the Securities and Exchange Commission (“SEC”). Registration does not imply a certain level of skill or training. AdvisiFi is a wholly-owned subsidiary of InvestiFi Inc (“InvestiFi”). Brokerage services are provided by InvestiFi Securities LLC (“InvestiFi Securities”) and RQD* Clearing LLC (“RQD”), SEC-registered broker-dealers and members of FINRA/SIPC. Brokerage services are available only to residents of the United States and in jurisdictions where InvestiFi Securities is registered. Brokerage and advisory accounts are not held with the financial institution and are held with AdvisiFi, InvestiFi Securities, and RQD, respectively. You may check the background of these firms by visiting FINRA's BrokerCheck. Cash and securities offered by InvestiFi Securities and held by RQD are (1) not insured by the FDIC, NCUA or other government agency, or by any private insurance offered in lieu of FDIC or NCUA coverage, (2) not guaranteed, (3) not financial institution deposits or obligations, and (4) may lose value.
Digital assets (cryptocurrencies) are made available and held in a digital wallet maintained by SAFE Trust Company, a Wyoming trust company, not the financial institution or InvestiFi or its affiliates. SAFE is a separate entity from, and not an affiliate of Mid Minnesota Federal Credit Union or InvestiFi. Digital assets are (1) not federally or privately insured; (2) not obligations of Mid Minnesota Federal Credit Union; (3) not guaranteed by Mid Minnesota Federal Credit Union; (4) heavily speculative and volatile; (5) may have associated fees; (6) may not allow account holder recourse; and (7) offered by a third party. Mid Minnesota Federal Credit Union may receive compensation from your purchase of digital assets. Digital assets (i.e. cryptocurrencies) held in your digital asset account with SAFE (i.e. Crypto account) are not insured by any government or private entities, including, but not limited to, NCUA or ASI/ESI. Your digital investing account does not support wallet-to-wallet transferring of your digital assets (i.e. Cryptocurrencies). You should carefully consider whether buying or holding digital assets is suitable for you in light of your financial situation. Digital assets are not obligations of Mid Minnesota Federal Credit Union and are not guaranteed by Mid Minnesota Federal Credit Union.
^APR is Annual Percentage Rate. Loans subject to credit approval. Loan fees apply and Annual Percentage Rate (APR) will vary based on personal credit history, the loan amount, term, collateral, and any fees. Loan payment example: A $20,000 loan for a term of 36 months with a 6.58% APR, including a $25 processing fee, will have a $612.98 monthly payment. Maximum term varies based on credit score, collateral and loan amount.
APR= Annual percentage rate. Maximum APR=18% APR. Loans are subject to credit approval. Certain restrictions apply. The intro rate ends after the first 12 billing cycles; post-promotional APR is variable and ranges from 9.99%-18% based on your creditworthiness. 0.00% intro rate applies to balance transfers and new purchases made in the first 12 billing cycles. Certain restrictions apply. See card terms and conditions for specifics. New Mid Minnesota credit card holders only. Information and rates shown as of 11/26/2023.