With a variety of ways to save, Mid-Minnesota Federal Credit Union has programs for everyone, from the Wall Street investor to the "rainy day" saver. All savings accountsprovided by Mid-Minnesota are insured by the National Credit Union Administration (NCUA), an agency of the federal government, up to $250,000.  
 
Super Savers 
A savings account paying you dividends on your average monthly balance. Current Rates  
 
Term Share Certificates 
With a minimum deposit of $500 you can earn a higher return on your investment. Terms vary from 3 to 48 months. With an active MMFCU checking account you receive an additional .25%APY on your certificate. Current Rates  
 
Fast Forward Certificate 
With a Fast Forward Certificate you earn dividendsas you build your balance! You can start the certificate with as little as $10 and a commitment to deposit at least $10 per month for the remainder of the term.  While you are contributing each month, you are also earning dividends. The Fast Forward Certificate is a great way to save money for a down payment on a house or car, or a structured way to help everyone in your family plan their own savings and learn to track monthly interest.   
 
*Must make minimum $10 monthly contribution to avoid $10 penalty. 
 
Individual Retirement Accounts 
Visit our IRA Service Center to learn more about IRAs, planning your retirement, opening an IRA account, or make transactions on an existing MMFCU IRA.  
 
Money Market Savings 
Earn more without a long term commitment. Minimum balance to open is $25,000. Dividends are compounded and paid monthly*. Access your funds with our 24-hour services include ATM, Phone Teller and PC Teller with a maximum of six transactions a month**. The more you invest the more you earn. 
 
Tier Categories:  $25,000 - $49,999  |  $50,000 + 
 
*If balance falls below $25,000 in a given month a $15 fee will be assessed. ** A per item fee of $10 for each withdrawal or transfer in excess of six during a month will be charged. 
 
Health Savings Accounts (HSA) 
Do you have a high deductible health plan? Stay on top of rising health care costs with a health savings account. Pay your medical expenses with tax-free HSA distributions or save for future needs. Learn more about HSA's and if you are eligible by talking with Member Services at your local branch.   
 
MatriMoney 
MatriMoney provides an elegant, graceful way for engaged couples to request money consistent with wedding registries at retail stores.  MatriMoney allows wedding guests to give a monetary gift in a secure way by making a deposit directly into your Mid-Minnesota MatriMoney account where it starts earning dividends immediately!  
 
Once your MatriMoney account is opened, instruction cards will be provided to help you inform people of your registry.  When guests make deposits into your account, they will receive a gift receipt to include with their wedding card.   
 
Term Share Certificate (Age 18 and younger) 
Money doesn't grow on trees, but your kids will think so...   Mid-Minnesota members age 0-18 earn great rates with traditional Term Share Certificates for 6, 12, 18, 24, and 36 month terms with a $100 MINIMUM DEPOSIT.  Plus, increase your dividend rate by .25%APY when the adult certificate holder has an active checking account at Mid-Minnesota. Stop by or call today for details!  
 
Mid-Minnesota Investment and Retirement Services  
Visit with Financial Advisor Rory Papenfuss to learn more about planning for your future. 
 
 
 
 
 
NCUA
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