Understanding the Digital Wallet: A Guide to Modern, Secure Payments
Explore the benefits and features of a digital wallet for secure and convenient transactions.
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Get to Know MMFCU
The Credit Union Difference
We are locals serving locals, for the good of our community. We live, shop and do business here. Our families and friends are here. Our homes are here. Simply put, we’re invested here on every level.
When people debate credit unions vs banks, there really isn’t a comparison. Big banks are concerned with their profits. Credit unions, like MMFCU, are concerned for our neighbors. We are owned and led by members, your actual neighbors, so our profits are your profits. Everything comes back to the members. You’ll likely see it in our higher dividends, lower interest rates and more customized service offerings.
It’s not a dream, it’s the reality of MMFCU membership. You can bank with people who understand you and your needs. People who live, work and serve in your community. And we believe our community is strengthened when we all grow together. That’s what makes credit unions like MMFCU special.
Ready to become an MMFCU member owner?
Open an account today with as little as $5 and enjoy the perks of credit union banking!
Field of Membership
Our service area includes all of Becker, Cass, Crow Wing, Douglas, Morrison, Norman, Otter Tail, Todd, and Wadena counties.
Also included are the cities of Aitkin, McGregor, and Palisade and select townships in Aitkin County*. If you live, work, worship or attend school in any of the regions listed (or are an immediate family member of someone who does) you are eligible for MMFCU membership. Immediate family includes spouse, parent, stepparent, child, stepchild, grandparents, grandchild, brother, stepbrother, sister or stepsister.
*Currently, the included townships of Aitkin County include Aitkin, Farm Island, Fleming, Glen, Hazelton, Jeven, Kimberly, Lakeside, Logan, Malmo, McGregor, Morrison, Nordland, Shamrock, Spencer, Turner, Wealthwood, and Workman Townships.
2026 Annual Meeting
Member owners were invited to participate in the 2026 Annual Meeting in person or virtually. They heard updates from President/CEO Bob Gerads and Board Chair Greg Lange on the growth of Mid Minnesota and what we are working on to improve your financial well-being.
Our Mission, Vision and Core Values
Our mission, vision and values are the core of what we do. Ever present within our walls and in the communities we serve.
Mission
To earn member loyalty by providing them resources to improve their financial wellbeing.
Vision
To be our members’ first financial resource for a lifetime of services.
Core Values
- Personal Responsibility
- Integrity
- Sense of Community
- Teamwork
Interested in working at MMFCU?
Explore careers in credit union banking.
MMFCU Volunteers
As a member-owned financial cooperative, MMFCU relies on volunteers for a lot.
Members just like you are elected to serve on various councils to make important decisions that affect our credit union community. It’s a big responsibility and we are grateful for their service. Let us introduce you to some of our volunteers.
Holidays Observed
- New Year’s Day – January 1
- Martin Luther King, Jr. Day – January 19
- President’s Day – February 16
- Memorial Day – May 25
- Juneteenth – June 19
- Independence Day – July 4
- Labor Day – September 7
- Columbus Day – October 12
- Veterans Day – November 11
- Thanksgiving Day – November 26
- Christmas Eve Day– December 24 (close at noon)
- Christmas Day – December 25
Empower Your Future: April is Financial Literacy Month
Financial Literacy is crucial for managing personal finances effectively and making informed economic decisions.
Spring 2026 Location News
MMFCU Spring 2026 Location News: Find out the latest updates for Mid Minnesota Federal Credit Union branches.
Spring 2026
MMFCU President's Message for Spring 2026 highlights strategic initiatives and member-focused developments for the upcoming season.
Frequently asked questions
We're here to help, wherever you are on your financial journey.
- How do I order more checks?
In Office or Drive-up
Staff at your local branch will be able to order checks for you. They will need to know which account you need them for and any updates on what you want included on the checks.
- Are there any payment limits when a payment is sent electronically?
Yes, there are limits on the amount you can send for an electronic payment to both a business and an individual.
The following limits apply to payments being sent electronically to a business:
For individuals:
Daily limit – $7,000
Monthly limit – $20,000
For businesses:
Daily limit – $10,000
Monthly limit – $30,000
The following limits apply to payments being sent electronically to an individual:
Maximum limit daily of $1,000 per transaction
Daily limit – $2,000
These are the monthly electronic payment thresholds. Once the sum of payments exceeds the limit, the payment will automatically remit as a check
- How do I report fraud on my debit or credit card?
There are a few ways to report fraud or fraudulent charges on your debit or credit card.
If you notice fraudulent charges on your debit card you can:
Submit a dispute for the charge(s) that are fraudulent in Online Banking or the Mobile App. Instructions on how do this can be found here.
- Contact us at (218) 829-0371 during business hours.
- Stop into your local office.
- Call 1-866-820-8776, after hours or on weekends.
To report fraud on your credit card please:
- Contact us at (218) 829-0371 during business hours.
- Call 1-866-820-8776, after hours or on weekends.
- How do I find a Shared Branch?
Shared Branches are easy to find by either going to the website www.co-opcreditunions.org, calling 1-888-SITE-CO-OP (888-748-3266), downloading the Shared Branch iOS or Android mobile app, or looking for the Shared Branch logo at the credit union of your choice.
Need help or have questions?
Chat with one of our expert staff: