Skip Navigation
Take Us With You
Summer Adventures or Off to School

Summer is the time for adventures, both big and small. Most of the time these adventures come with a cost, MMFCU makes managing your money easy whether you are across town or across the country
    • Online and Mobile banking lets you manage your accounts from anywhere including transferring money between savings, checking and loan accounts.
    • Your MMFCU debit and credit cards can be a part of your mobile wallet on your phone.
    • ATM access to your money at no charge is available at nearly 30,000 locations across the country through the CO-OP Network. This is more than most banks!
    • Mobile payment services like Zelle, Venmo and PayPal may have no fees or reduced fees, if they are tied to an MMFCU account.
    • Checks can be deposited from anywhere using Remote Deposit through MMFCU’s mobile banking app on your phone.
    • You can visit more than 5,900 credit unions across the country for in-person transactions and services through our Shared Branch Network.
Image of multiple ways to manage your money when you are away from MMFCU

What Are You Spending Your Money On?
Ever wonder what your hard-earned dollars go? Are your purchases aligned with the things you value? Typically, November and December have higher expenses due to holidays and heating. Do you have extra money to cover these costs?InTouch Spending Tracking image, notepad, pencil, dollar bill and calculator

Before deciding if changes to your spending are needed, it’s a good idea to first understand how you use your money now.

Keeping track of everything you buy for a month lets you see all your expenses in one place. Many people who track their spending discover that they're spending money in small ways that add up and sometimes don’t match their priorities.

By tracking your spending, you can discover changes in your spending to make in the future. Allowing you to save for unexpected expenses, the holidays and other goals.

How you can do this:

  1. Get an envelope. Every time you spend money, get a receipt and put it into the envelope. If the receipt doesn’t list what you purchased, take a few seconds and write it on the receipt. If you don’t get a receipt, write down the amount and what you purchased on a piece of paper and add it to the envelope. If you use a mobile device to keep track of your spending, that works too.
  2. Review your spending each week. Go through your receipts and enter the total you spent in each category on this worksheet. Add the weekly amounts per category. Write these down in the “Category totals” column. Once you have these totals, add them together to get your total spending for the month.
  3. Notice trends. Circle items that are the same every month (like rent, car, or cell phone payments). These are often your needs and obligations. Identify any areas you can eliminate or cut back on—these will generally be wants.

At MMFCU, our expert staff can help you get started with this process or identify trends. Achieving financial well-being is a journey we are all on and their will be unexpected expenses along the way. We are here to help you with those items as well. 

Top of Page

Focused on Serving You

We want to reassure you that we're here to help with any financial services you need during these difficult times. Mid Minnesota is here for your financial well-being. 


Our expert staff stands ready to help with any needs, we encourage you to use the drive through or call. The most convenient way to access your money 24-hours a day is through our online and mobile banking services. Consider the following and choose what works best for you. 

ATM Icon
Member Resources Icon
Drive-Up Icon
Online Banking IconONLINE BANKING
Remote Deposit Icon

If you've been financially impacted by this pandemic, our staff is prepared to discuss your options and help guide you through these uncertain times. Please reach out to us to discuss your individual situation We have trained financial counselors available. 


Unfortunately, there have been recent fraudulent websites and emails that aim to take advantage of people financially, so please remain diligent to protect your personal and financial information. MMFCU will not ask for any personal information via telephone or email that you, the member, has not initiated. If you are unsure if a phone call, email or text is legitimate, call your local MMFCU office. 

For information on recent scams and how to protect your identity, click HERE for the Security page of our website.
Top of Page