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In addition to our many consumer and home loan products, we have a variety of additional loans to offer. And just because you don't see it here, doesn't mean you can't ask. Odds are, we can meet your needs! 

Holiday Cash Loans

Mid Minnesota is here to make the expenses of the holidays a little more manageable. Holiday cash loans from $500 to $2,000 are available November 1 through December 23, 2022, to be used for your holiday purchases anywhere you want to shop. This special loan is on a 10-month term, so you can pay it off before next fall. 

A $1,000 loan with a 5.49%APR would require 10 monthly payments of $102.76. Loans subject to approval. Advertised rates may vary due to credit rating. Certain restrictions apply. Maximum loan amount $2,000 per qualified individual. APR=Annual Percentage Rate.

Holiday Skip-A-Payment

Our Holiday Skip-A-Pay program is a fast, convenient way to provide you with a little more holiday spending money. Borrowers may be able to skip up to two payments November through January on a variety of MMFCU loans, including new/used auto, boat, RV and more. To qualify your loan(s) account must:
    • Be in good standing (loans must be current and have no more than two late fees in the last 12 months).
    • If the loan is new, at least 6 payments have been made
    • Make the request to skip a payment at least 10 days prior to payment due date 
A $40 administrative fee per loan per month will be added to the balance of your loan for every requested skipped payment. With an active MMFCU checking account relationship, this administrative fee will be reduced to $30 per loan per month. Complete the application below or apply by calling (218) 829-0371. 
To qualify for the Holiday Skip-A-Payment program, your Mid Minnesota Federal Credit Union loan account(s) must be in a good standing (loans must be current and have no more than two late fees in the last twelve months). There is a maximum of two skipped payments within a twelve month period, and six within the term of the loan only. Requests must be received at least 10 days prior to payment due date. Interest will continue to accrue and may exceed payment. New loans that have not had at least six payments are not eligible. Skip-A-Payment pending approved credit; other restrictions  may apply. Not applicable to first mortgage loans, modified loans, home equity loans, student loans, commercial loans, line of credit, HELOC's and VISA® Cards. Skip-A-Payments could affect GAP claim amount on qualified loans. 

Property Improvement Loans

What can a Property Improvement Loan cover? Virtually everything… Build a shed, tar the driveway, construct a deck, add a new roof, remodel the kitchen and more! It’s not an equity loan, it’s an improvement loan! Applying is easy too – visit us in person, complete a loan application online or apply by phone!

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Consumer Goods

What are you looking for? If we haven't covered it in any of our other categories we can likely finance it with a Consumer Goods Loan! 

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Single Pay Loans

Borrow for a short term with a single pay note. These loans have no payments during the term - all principle and interest is due at the end. Single pay loans can be used for many different reasons, including an advance on your income tax return! 

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Share-Secured Loans

Borrow at an amount equal to the balance in your Share or CD account at a special reduced rate of interest! 

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Line of Credit 

This is a revolving credit loan plan which requires you to apply only once, yet take advances on your credit line as often as you need! Obtain cash advances up to a specified limit with a simple phone call, or by using any of our 24-hour automated services - Online and Mobile Banking, and even by ATM! Transfer funds directly to your MMFCU checking account and go shopping. Or avoid bouncing that check with this handy line of credit designed to kick-in when you have exceeded the balance in your MMFCU checking account. Convenient!

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Protection Services

For just a few pennies a month, you can rest assured your purchase is protected. Mid Minnesota offers several Protection Services designed to give you peace of mind. That makes sense, and cents!