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Mid-Minnesota Federal Credit Union (MMFCU)

What sets Mid-Minnesota apart from other financial institutions is that YOU, our member/owner, has a vested interest in our success. Any profits are returned to our membership in the form of higher dividend rates, lower interest rates on loans, additional technology, and growth in services. 

Your credit union is a member-owned financial cooperative. Member representatives, people just like you, are elected to and serve as volunteers on our Board of Directors. Additional members serve on our Supervisory Committee and Community Advisory Councils. 

Credit union volunteers take on great responsibility in setting the direction of credit union policy on lending, operations, security, employment and much more. It’s a pretty big job, and they take it seriously.


MMFCU Board of Directors

The Board of Directors of Mid-Minnesota Federal Credit Union consists of eight individuals from varying communities throughout central Minnesota.

Theresa Goble, Chairman

Rhonda Smith, First Vice Chair

Mark Korwin-Kuczynski, Second Vice Chair

Jason Anakkala, Secretary

Todd Froemming

Geoff Gorvin

Bunny Johnston

Jeff Torfin

Angella Roby

MMFCU Supervisory Committee

The primary function of your Supervisory Committee is to regularly audit all facets of the credit union, including financial management, administration, and operational practices. These volunteer members play an important role in our direction, ensuring the safety and security of your credit union funds.

Wayne (Bill) Bailey, Chairman

Debby Erickson, Member

Cindy Nelson, Member

Angella Roby, Member

Mike Woodard, Member

Community Advisory Council

Credit unions are community organizations, formed by and owned by our members. Keeping with this tradition, Mid-Minnesota has formed Community Advisory Councils. These council members will serve as ambassadors for MMFCU – sharing information about our services while gathering vital input.


Bill Franzen

Mike Porwoll

Tamera Lee

Glenda Kvitek

Randy Jansen


Ed Spilman

Karen Bolz

Mel Dahlberg

Pat Krueger

Rod Carlson


Calvin Lutzke

Barry Nelson

Roland Anderson

Sheldon W. Sanborn

Little Falls

Jan Erwin

Cathy Hartle

Roxie Matsen

Aaron Olson

Pequot Lakes

Kathy Bittner Lee

Leroy Dudgeon

Julie Gowen

Deb Sommer

Larry Oaks

Cindy Hidde


Dave Jessop

Vern Drake

Terri Duff

Tom Neznik

Twin Valley

Michael Baukol

Roger Hamernik

Jeff Lunde

Karen Olson


To earn member loyalty by providing them resources to improve their financial well-being.

Core Values

Integrity - Team Work - Sense of Community - Personal Responsibility