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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Everyday Banking
Banking your way, we have you covered with savings, checking, online services at your fingers tips and more!
Personal banking made easy
Discover why credit union banking is better. As part of your community, we understand your needs so we can help you find the right solution. Let's start with the basics. MMFCU offers a full range of accounts to ensure you're well-served.
Create an account that fits
Checking
A simple start to membership. Explore credit union checking accounts that offer rewards and cashback, or stick to the basics. Whatever you like.
Savings
From youth accounts with higher interest rates to savings accounts that give you a chance to win cash prizes, MMFCU makes saving money easy and fun.
Certificates
Get a higher rate of return on your investment with a certificate that fits your needs.
Youth Accounts
Money doesn't grow on trees, but your kids might think so. Find accounts to help your child build a strong financial foundation.
Your Path to Financial Security
On average 2 out of 3 members don't have estate planning documents, like a will or trust, in place.
If this is you, we are here to assist in preparing you for the largest financial transaction of life. Protecting your family’s assets is a part of our Mission to improve members’ financial well-being. Mid Minnesota is proud to provide our members with easy, affordable and secure legal estate planning documents powered by Legal Karma.
Anytime. Anywhere. Staying on top of your credit has never been easier.
Your credit report provides insight into how lenders and others see you. Checking your report regularly is a great idea to ensure your information is correct and protect against identity theft.
With the SavvyMoney Monitor Your Credit Score tool, you’re taking steps to better manage your credit, at no cost to you. We’ll help you improve your financial health with tools, resources, and alerts personalized to you. You can access all these features in Online Banking and Mobile App anytime.
Personal banking with a credit union is different. In our opinion, it’s way better!
Profits come back to our member owners because we are people helping people. Find out about specials and promotions, and take advantage of them to help you on your way to financial success.
Calculate your options
Remember when we said that we’re making personal banking easy?
Check out the services that are available to you online. Manage your money from anywhere.
Unlock competitive bank rates
Competitive credit union interest rates, rewards checking accounts, high yield accounts, whatever you need, we have an option that will fit!
Switch to MMFCU
Switching your accounts from another financial institution may seem daunting, but we make it easy.
Whether you already have accounts with us and want to benefit from more products and services, or if you are looking for a new financial home, we’ve got you covered.
Peace of Mind
All credit union checking and savings accounts provided by Mid Minnesota are insured by the National Credit Union Administration (NCUA), an agency of the federal government, for up to $250,000.
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.
Frequently asked questions
We're here to help, wherever you are on your financial journey.
- What is my member number? Your member number is essentially another form of ID for our staff to be able to pull up your account information. Your member number will be given to you at the time of opening your account. However, your member number is not used in any other way than to find you in our system. It is not necessary to know your member number, as there are multiple ways to find your accounts in our system, but if you should request it, staff can let you know after verifying a few pieces of information about you.
- What is my account number?
Each account that you have with us has its own unique account number. Again, our staff can help you get this information, but only after you verify a few pieces of information about yourself. You can also find your account numbers in online banking or the mobile app.
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. See the above FAQ for what your routing number is.
- 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.
- What if I need help after hours?
When our staff is not available, you can still manage your money through online banking or mobile app services.
To report a debit or credit card lost or stolen, or that there has been fraudulent activity after hours, please call 1-866-820-8776, 24/7 and they will be able to help you.
Empower Your Future: April is Financial Literacy Month
Financial Literacy is crucial for managing personal finances effectively and making informed economic decisions.
April is Financial Literacy Month
Financial Literacy Month promotes understanding of personal finance to enhance financial well-being and informed decision-making.
Introducing InvestiFi:
A new way for members to invest, offering fresh opportunities and strategies tailored to individual needs.
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