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Advertiser Disclosure
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 Members First Credit Union Midland, MI Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Members First Credit Union Midland, MI's 15 Month CD of Deposit rates are at 4.25%, 6 Month CD of Deposit rates are at 4.00%, 12 Month CD of Deposit rates are at 3.75%, 48 Month CD of Deposit rates are at 3.75%, 60 Month CD of Deposit rates are at 3.75%. Members First Credit Union Midland, MI's savings rates are at 0.15%. Members First Credit Union Midland, MI's money market rates are at 4.00%. Members First Credit Union Midland, MI's checking rates are as high as 6.00%. Members First Credit Union Midland, MI's First Mortgage - 15 Year rates are at 7.00%, First Mortgage - 20 Year rates are at 7.12%, First Mortgage - 10 Year rates are at 7.12%, First Mortgage - 30 Year rates are at 7.25%. Members First Credit Union Midland, MI's Personal Loan Rates are as low as 10.49%. Members First Credit Union Midland, MI's Credit Card Rates are at 9.59%. Members First Credit Union Midland, MI's CD rates are 31% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Members First Credit Union Midland, MI with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.54%. Rates last updated and verified on 10/29/2026. Members First Credit Union Midland, MI money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Members First Credit Union Midland, MI? Share your experience about Members First Credit Union Midland, MI by leaving a review below, or read customer reviews before you decide to use Members First Credit Union Midland, MI. Members First Credit Union Midland, MI
Members First Credit Union - Wackerly 600 W Wackerly St
https://www.mfcu.net Midland, MI 48640-4702  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Members First Credit Union Midland, MI CD Rates
Members First Credit Union Midland, MI Savings Rates
Members First Credit Union Midland, MI Money Market Rates
Members First Credit Union Midland, MI Checking Rates
Members First Credit Union Midland, MI Mortgage Rates
Members First Credit Union Midland, MI Auto Loan Rates
Members First Credit Union Midland, MI RV, Boat and Powersport Loan Rates
Members First Credit Union Midland, MI Credit Card Rates
Members First Credit Union Midland, MI Personal Loan Rates
Members First Credit Union Midland, MI Other Rates
Financial Health HistoryMembers First Credit Union Midland, MI’s Texas Ratio rose from 4.00% in Q3 2023 to 4.54% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Members First Credit Union Midland, MI is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Members First Credit Union Midland, MI rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Members First Credit Union Midland, MI's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Members First Credit Union Midland, MI
Website
https://www.mfcu.net
Address
600 W Wackerly St,
Midland, MI 48640-4702
Phone
855-835-6328
Fax
989-835-5202
President
Kevin Brott
CEO
Carrie Iafrate
Full-Time Employees
229
Part-Time Employees
7
Branch Locations
12
ATM Locations
11
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.54%
Return on Assets (ROA)
0.3583%
Return on Equity (ROE)
3.8892%
Non-Performing Loans Ratio (NPL)
0.65%
Total Assets
905,439,582
Total Amount of Shares and Deposits
779,478,784
Total Shares and Deposits < 1 Year
756,352,166
Total Shares and Deposits 1 3 Years
18,591,673
Total Shares and Deposits > 3 Years
4,534,945
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
51,691,415
Total Uninsured Shares and Deposits > $250K (F+J)
51,691,415
Total Insured Shares and Deposits > $250K (item 17 less item K)
727,787,369
Total Interest Expense (Sum of items 6 8)
6,726,283
Share Certificates
8,146
Number of Accounts for Share Drafts
48,674
IRA KEOGH Accounts
1,771
Number of Accounts for Regular Shares
82,852
All other shares
1,034
Money Market Shares
12,827
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
48,990,585
Total Liabilities
829,329,033
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Members First Credit Union Midland, MIDoes Members First Credit Union Midland, MI offer CDs?Yes. Members First Credit Union Midland, MI current CD rates include its 15 Month CD of Deposit at 4.25% APY, its 6 Month CD of Deposit at 4.00% APY and its 12 Month CD of Deposit at 3.75% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Members First Credit Union Midland, MI NCUA insured?Yes. Members First Credit Union Midland, MI is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Members First Credit Union Midland, MI?The highest Members First Credit Union Midland, MI CD rate is its 15 Month CD of Deposit at 4.25% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Members First Credit Union Midland, MI offer?Members First Credit Union Midland, MI CD rates are 4.00% APY for a 6 month CD, 3.75% APY for a 12 month CD, 4.25% APY for a 15 month CD, 3.60% APY for a 2 year CD, 3.75% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Members First Credit Union Midland, MI for its full lineup. What is the highest savings rate at Members First Credit Union Midland, MI?The highest Members First Credit Union Midland, MI savings rate is its Special Savings at 0.15% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Members First Credit Union Midland, MI?The highest Members First Credit Union Midland, MI money market rate is its Money Market Account at 4.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Members First Credit Union Midland, MI?The highest Members First Credit Union Midland, MI checking rate is its Advantage 60 Checking Package (Age 60 and up) at 0.10% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest mortgage rate at Members First Credit Union Midland, MI?The lowest Members First Credit Union Midland, MI mortgage rate is its First Mortgage - 15 Year at 7.00%, verified by MonitorBankRates as of October 29, 2026. Members First Credit Union Midland, MI mortgage rates are 7.25% for a 30 year mortgage, 7.125% for a 20 year mortgage, 7.00% for a 15 year mortgage and 7.125% for a 10 year mortgage. What is the lowest auto loan rate at Members First Credit Union Midland, MI?The lowest Members First Credit Union Midland, MI auto loan rate is its Auto Loan at 4.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Members First Credit Union Midland, MI?The lowest Members First Credit Union Midland, MI personal loan rate is its Unsecured Personal Loan at 10.49% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Members First Credit Union Midland, MI?The lowest Members First Credit Union Midland, MI credit card APR is its Visa Platinum Credit Card at 9.59% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Members First Credit Union Midland, MI operate?Members First Credit Union Midland, MI currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Members First Credit Union Midland, MI?Yes, to access services at Members First Credit Union Midland, MI, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Members First Credit Union Midland, MI does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Members First Credit Union Midland, MI provides members with tools to manage their accounts and build a solid financial history. Does Members First Credit Union Midland, MI offer online and mobile banking?Most modern institutions like Members First Credit Union Midland, MI provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mfcu.net. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Members First Credit Union Midland, MI rates compare?Members First Credit Union Midland, MI's CD rates are 31% higher than the MonitorBankRates national average, and it has an A+ health rating. Members First Credit Union Midland, MI's top rates are its 15 Month CD of Deposit at 4.25% APY, its Special Savings at 0.15% APY, its Money Market Account at 4.00% APY, its Rewards Checking at 6.00% APY, its First Mortgage - 15 Year at 7.00%, its Unsecured Personal Loan at 10.49% APR and its Visa Platinum Credit Card at 9.59% APR, verified by MonitorBankRates on October 29, 2026. Current Members First Credit Union Midland, MI Rates
Retrieved from our database of financial products. Rates subject to change.
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