Credit Union Difference is…

A checking account that pays you 5%APY or cash back on your purchases. You choose!

Home Buyer Happy Hour

Thursday, April 11 from 4:30-6:30pm
Jack Pine Brewery
15593 Edgewood Drive N
Baxter, MN 56425

Join a community of experts who have come together to share what the 2024 housing market looks like and answer your questions.

Enjoy a beverage, charcuterie appetizers and talk with each expert. Whether you will be a first-time homeowner, need to find something bigger or closer to town, or want to get on the water or a property in the woods; you will leave with information and resources to help you.

Register below through April 11, 2024 for a chance to win a Yeti cooler sponsored by Servion and Mid Minnesota Federal Credit Union.

Register        Learn More

 

Equal housing lender. Federally insured by NCUA. No purchase necessary to win. One entry per person by RSVPing through April 11, 2024. Must be 18 or older to win. Winner will be randomly selected and contacted within 7 days. 

Business

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.

Discover the Difference

Ford F250 parked on road by lake

Rates at a Glance

Borrowing

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.

See Available Loans
Rates as low as 5.34% APR

Auto

Drive off in your dream car with our flexible repayment plans.

Rates as low as 8.75% APR

Home Equity Line of Credit (HELOC)

Looking to remodel your home? Talk to our team to find the right option for you.

Rates as low as 9.99% APR

Credit Cards

Find the credit card option that fits your lifestyle.

Rates as high as 5.00% APY

Kasasa Cash Checking

Earn 5%APY on balances up to $10,000 then 0.15%APY on balances over $10,000 (blended APY 0.59-5.00%).

Need help or have questions?

Chat with one of our expert staff

We Want You to Join Us.

When You Grow, We Grow.

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.

We’re Hiring

About Us

Discover the MMFCU difference

Credit union banking is different, especially with MMFCU. We’re committed to helping our community grow. Owned and led by members like you, we’re proud to live and serve locally.

Learn More

The Insurance Office at Mid Minnesota Logo
We’ve got you covered

Insurance

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.

Mid Minnesota Investment and Retirement Services Logo
Let’s grow together

Investing

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.

From The Blog

Visit the Blog
Cartoon dollar bills
Everyday Banking

Rewards Checking Accounts for You

We’d like to set you up with a checking account…

Images of staff, members and events
Community

Spring 2024 Location News

Keep up-to-date with what is happening at MMFCU’s locations.

*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.

Top

You are now leaving Mid Minnesota Federal Credit Union's (MMFCU) website. MMFCU is not responsible for the content or availability of linked sites. Please be advised that MMFCU does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by the credit union.