We’re happy to assist you, in whatever contact method suits you best.
Phone and Mail
Please see locations phone and address information, call (218) 829-0371, (877) 643-6466 toll-free, or send correspondence to
Mid Minnesota Federal Credit Union,
PO Box 746, Brainerd, MN 56401.
Have questions? We have answers!
MMFCU’s Live Chat option is completely safe and secure, enabling us to answer your sensitive account questions.
It’s available during regular business hours. (Internet Explorer does not support our chat communication feature. We apologize for any inconvenience this may cause). Look for the green bubble on the lower right side of your screen.
Secure Email
MMFCU’s secure email option is completely safe and secure, enabling us to answer your sensitive account questions.
To ensure the confidentiality of your private information, and to comply with financial regulations, we use an encrypted email service through Zix Corporation.
Holidays Observed
New Year’s Day – January 1
Martin Luther King, Jr. Day – January 15
President’s Day – February 19
Memorial Day – May 27
Juneteenth – June 19
Independence Day – July 4
Labor Day – September 2
Columbus Day – October 14
Thanksgiving Day – November 28
Christmas Eve Day– December 24 (open until 1pm)
Christmas Day – December 25
Frequently Asked Questions
How do I become a member owner of MMFCU?
If you live, work, worship or attend school in the geographic areas listed below, or are an immediate family member of someone who lives, works, worships, or attends school in these areas, you are eligible for membership. Immediate family includes spouse, parent, step-parent, child, step-child, grandparents, grandchild, brother, step-brother, sister or step-sister.
Mid Minnesota Federal Credit Union serves all of Becker, Cass, Crow Wing, Douglas, Morrison, Norman, Otter Tail, Todd, and Wadena Counties as well as the cities of Aitkin, McGregor, and Palisade, in addition to various townships in Aitkin County. Aitkin County Townships eligible for membership are: Aitkin, Farm Island, Fleming, Glen, Hazelton, Jeven, Kimberly, Lakeside, Logan, Malmo, McGregor, Morrison, Nordland, Shamrock, Spencer, Turner, Wealthwood, and Workman Townships.
You can become a member if you meet any of the above guidelines. A simple $5 deposit will make you a member owner of MMFCU – allowing you to apply for any of our free and low-cost services.
What is my routing number?
MMFCU’s routing number is 291973360. Looking to set up direct deposit? You’ll need your account number that you want the funds to go to. The same can be said if you are looking to set up automatic payments to another financial institution or company. See the below FAQ for how to find your account number.
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.
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.
How do I update my address?
In Office or Drive-up
Visit your local branch, let them know that your address has changed, and they will verify some pieces of information before updating your address.
Over the phone
Call us at (218) 829-0371 to request your address be changed. Staff will verify a few pieces of personal information before updating your address.
In Online Banking
Log into your online banking account and click on settings. In the upper right corner at the top click the contact tab across the top. To update your address, click the little pencil to the right it will open up an option for you to enter your new updated address. Click Save. You will have to enter a verification code that will be sent either by text or email to verify your identity. Once you have completed this, your address will update in our system automatically. If you have a PO Box for a mailing address, you will need to change your address in an office, through the drive-up or request a change of address form over the phone.
How do I order more checks?
In Office or Drive-up
Staff at your local branch will be able to order checks for you. They will need to know which account you need them for and any updates on what you want included on the checks.
Need More Help?
Stay Informed!
We’ll periodically email you important news and information.
No spam, just occasional updates.
Why 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.