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
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.
5%APY or Cash Back.* You Choose!
Earn rewards every month for doing the basics, like using your debit card. You choose between earning interest or cash back on your purchases. Bonus: ATM fees are refunded.*
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:
**5.74% rate (6.259% APR) with 20% down (purchase price or appraised value, whichever is less) or 20% equity (refinance). Minimum credit score 640. Rate fixed 5 years, then adjusts annually based on Wall Street Journal Prime + 2.75% margin, 2% annual/5% lifetime cap. $160,000 loan = $932.70/month principal & interest (excludes taxes & insurance). Rates/terms subject to change; credit approval required. Applicant must qualify for membership and meet all other requirements of MMFCU loan programs. Items listed are estimates only. Limited time offer. Federally insured by NCUA. Equal Housing Lender. Maximum loan amount of $806,500. Maximum loan to value 80%. Eligible properties in MN only. Consumer to contact tax advisor for further information. Full appraisal and title required on all purchase transaction and over $100,000 for refinanced loans.
^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.
*APY = Annual Percentage Yield. KASASA Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle (which means a period beginning on the last business day of the month and ending on the day prior to the last business day of the month) in order to qualify for the account’s rewards. Please click here for dates. The following activities do not count toward earning account rewards: Transfers between accounts, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $10,000 receive APY* of 5.00%; and balances over $10,000 earn 0.15% APY Kasasa Cash Back: 2.00% cash back on PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8 cash back may be earned per Monthly Qualification Cycle. Kasasa Saver (linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $35,000 in your Kasasa Saver account receive an APY of 2.50% and balances over $35,000 earn 0.15% interest rate on the portion of balance over $35,000. ATM Fee Refunds: you will receive reimbursements up to $25 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $5 or higher. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.01% APY*; all balances in a Kasasa Saver account earn 0.01% APY; cash back payments are not made, and ATM fees are not reimbursed. ATM & Cash Back reimbursements and rewards will be credited the last business day of each month to the appropriate Kasasa account(s). Dividends will be credited on the last calendar day of each month to the appropriate Kasasa account(s). When linked to the Kasasa Saver account, the dividends earned within the linked Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual dividend amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. APY = Annual Percentage Yield. APYs accurate as of 2/1/24. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, time frames, enrollments, and other requirements apply. No minimum deposit is required to open a Kasasa account. Qualifications and rewards may vary by account. Monthly qualifications include: 1 ACH Debit or Credit, 12 Debit Card purchases, and receipt of electronic statements. Limit 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. Contact MMFCU Member Services for additional information, details, restrictions, processing limitations and enrollment instructions. Certain restrictions apply. Federally insured by NCUA. If account doesn’t qualify for 3 consecutive months, account will be transferred out of Kasasa product and into a Simply Checking.
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.
*Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle (which means a period beginning on the last business day of the month and ending on the second to the last business day of the month) in order to qualify for the accounts rewards. The following activities do not count toward earning account rewards: Transfers between accounts, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your accounts qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $10,000 receive APY* of 5%; and balances over $10,000 earn 0.15% APY Kasasa Cash Back: 2% cash back on PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8 cash back may be earned per Monthly Qualification Cycle. ATM Fee Refunds: you will receive reimbursements up to $25 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $5 or higher. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.01% APY*; cash back payments are not made, and ATM fees are not reimbursed. ATM Cash Back reimbursements and rewards will be credited the last business day of each month to the appropriate Kasasa account(s). Dividends will be credited on the last calendar day of each month to the appropriate Kasasa account(s). Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. No minimum deposit is required to open a Kasasa account. Qualifications and rewards may vary by account. Monthly qualifications include: 1 ACH Debit or Credit, 12 Debit Card purchases, and receipt of electronic statements. If account doesn’t qualify for three consecutive months, account will be transferred out of Kasasa product and into Simply Checking. There are separate disclosures for Simply Checking account. Limit 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. Contact MMFCU Member Services for additional information, details, restrictions, processing limitations and enrollment instructions. Certain restrictions apply. Federally insured by NCUA. Kasasa Saver (linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $35,000 in your Kasasa Saver account receive an APY of 2.50% and balances over $35,000 earn a 0.15% interest rate on the portion of balance over $35,000. When linked to the Kasasa Saver account, the dividends earned within the linked Kasasa Cash account do not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual dividend amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. APY = Annual Percentage Yield. APYs accurate as of 3/1/25.