Empower Your Future: April is Financial Literacy Month
Financial Literacy is crucial for managing personal finances effectively and making informed economic decisions.
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Borrowing
We know throughout life there are many reasons for personal loans. Let us help you navigate the options to find what fits you best.
To Grow Means to Move
Whether you’re shuttling your kids to school, driving to work, purchasing that new home across town or just taking in the beautiful sites, Mid Minnesota Federal Credit Union has a personal loan option for your lifestyle.
Auto Loans
Financing that new auto is simple with MMFCU.
Whether you’re buying new or used, our auto loan rates are always competitive. Purchase a vehicle that is only 2 years old and get a lower rate. We make it easy to finance on-the-spot at many local dealer partners too.
Home Loans
If you’re looking to buy, build or refinance your current home or even do some remodeling, our team of Mortgage Loan Officers will provide you with a mortgage or home equity loan unique to you.
Our mortgages offer local servicing to give you comfort that you’ll be taken care of throughout the process and even after.
Recreational Loans
Ready for that adventure on the lake, trail, road or even the campsite?
Purchase your new boat, RV, ATV, or snowmobile with us online fast and easy or by financing on-the-spot at any of our local recreational dealer partners and start your new adventure.
Personal Loans
Consolidate debt, go on vacation or even handle an emergency with funds from a personal loan.
Try a personal loan with a fixed term or even a personal line of credit for life’s unexpected circumstances.
Student Loans
Need help filling the funding gaps that federal aid can leave behind?
A Mid Minnesota Federal Credit Union student loan can help. With zero origination fees, lower interest rates and flexible repayment options, be ready for your life after college.
Credit Builder Loans
Your credit score is an indicator of financial health and it can also impact your insurance rates, ability to rent an apartment, and even get a job.
A Credit Builder Loan from your credit union is one way we are investing in you, our member owner, to help build your credit score.
Rates at a Glance
Competitive and individualized based on your personal credit score.
Want to get a better rate? We have tools to help you know, understand and improve your credit score.
Autos & Motorcycles
Rates as low as
3.94% APR^
RVs & Boats
Rates as low as
4.44% APR^
Off Road Vehicles
Rates as low as
6.19% APR^
Classic Credit Card
Rates as low as
9.99% APR
Credit Cards
No matter your spending needs or lifestyle, Mid Minnesota Federal Credit Union has a credit card that is right for you.
With card options that have a lower interest rate, points for shopping locally or a card that provides rewards, we’re sure you’ll find something for you.
Make a Loan Payment
Payments are made easy at MMFCU. Write a check, have us deduct them from your paycheck, make payments at an office or in online banking, or even set up automatic withdrawals. Choose whatever works for you!
Calculate your options
Stay Cyber Smart and Financially Secure
November is Fraud Awareness Month: The Scams Are Evolving—Are You? The holiday season and shopping events like Cyber Monday are prime time for scammers. They hope to catch you in a hurry or when you're distracted. The best defense for your hard-earned money is a little awareness. Here’s how to spot and stop fraud.
National Credit Education Month
March is National Credit Education Month, a time to raise…
President's Message Fall 2024
The results of our 2024 Member Survey are in, and…our work isn’t done!
Frequently asked questions
We're here to help, wherever you are on your financial journey.
- How do I transfer money to/from my account at another financial institution?
Make a Loan Payment Tool
To make a payment on a loan with MMFCU using funds from another financial institution, you can utilize our Make a Loan Payment Tool with a debit card or routing and account number from another financial institution.
Direct Pay
To send funds automatically from another financial institution to MMFCU, you can set up a direct pay. This works for loan payments as well. You are also able to set up a direct pay in your local office.
- How do I make a loan payment?
In Office or Drive-Up
Make your payment with the tellers.
Over the Phone
Call us at (218) 829-0371 and make the payment over the phone.
Mail
Write out a check for the payment amount and mail to us:
MMFCU
PO Box 746
Brainerd, MN 56401
Make sure that your name is on the check along with either the account number in the memo line or the type of collateral the loan is for (i.e: 2007 Dodge Ram, Mortgage Payment, HELOC payment, etc).
Night Deposit Box
Use the night deposit box at your local branch.
Transfer Funds in Online or Mobile Banking
To transfer between your own accounts, you can use the transfer tool which is on the bottom of your screen on the MMFCU Mobile App on your mobile phone (it is under ‘Transfer & Pay’ when logged in to Online Banking). Select the account you want the funds to come from and then select the loan you want to make a payment on. Finally, you will need to select the type of payment you’d like to make.
Make a Loan Payment in Online or Mobile Banking
You can even link an account at another Financial Institution in Online or Mobile Banking. Learn how.
Make a Loan Payment Tool
To make a payment on a loan with MMFCU using funds from another financial institution, you can utilize our Make a Loan Payment Tool with a debit card or routing and account number from another financial institution.
Direct Pay
To send funds automatically from another financial institution to MMFCU, you can set up a direct pay. This works for loan payments as well. You are also able to set up a direct pay in your local office.
- Setting up direct deposit?
You will also need your routing number for the financial institution you want the funds to go to. The same can be said if you are going to set up automatic payments to another financial institution or company.
- How do I access my account online?
To access your account online, you must register for online banking or the mobile app.
^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.