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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Members First Credit Union Midland, MI Rates & Review March 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: March 27, 2026
Members First Credit Union Midland, MI's CDs of Deposit and IRA CDs of Deposit 12 month rates are at 3.75%, CDs of Deposit and IRA CDs of Deposit 6 month rates are at 3.75%, CDs of Deposit and IRA CDs of Deposit 9 month rates are at 3.75%, CDs of Deposit and IRA CDs of Deposit 15 month rates are at 3.60%, CDs of Deposit and IRA CDs of Deposit 60 month rates are at 3.45%. 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 0.55%. Members First Credit Union Midland, MI's First Mortgages 15 Year rates are at 5.88%, First Mortgages 10 Year rates are at 6.12%, First Mortgages 30 Year rates are at 6.38%, First Mortgages 20 Year rates are at 6.50%. Members First Credit Union Midland, MI's Personal Loan Rates are at 10.49%. 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 8.84%. Rates were last updated on 03/27/2026. 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 
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 Home Equity & HELOC
Members First Credit Union Midland, MI Credit Card Rates
Members First Credit Union Midland, MI Personal Loan Rates
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
237
Part-Time Employees
5
Branch Locations
11
ATM Locations
12
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.84%
Return on Assets (ROA)
0.1580%
Return on Equity (ROE)
1.7393%
Non-Performing Loans Ratio (NPL)
1.09%
Total Assets
878,441,517
Total Amount of Shares and Deposits
757,532,088
Total Shares and Deposits < 1 Year
731,388,320
Total Shares and Deposits 1 3 Years
19,308,268
Total Shares and Deposits > 3 Years
6,835,500
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
49,859,815
Total Uninsured Shares and Deposits > $250K (F+J)
49,859,815
Total Insured Shares and Deposits > $250K (item 17 less item K)
707,672,273
Total Interest Expense (Sum of items 6 8)
10,816,683
Share Certificates
8,544
Number of Accounts for Share Drafts
49,870
IRA KEOGH Accounts
1,761
Number of Accounts for Regular Shares
82,085
All other shares
995
Money Market Shares
11,200
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
42,810,652
Total Liabilities
806,678,699
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Members First Credit Union Midland, MIIs Members First Credit Union Midland, MI a safe place to deposit money?Yes, Members First Credit Union Midland, MI is considered a safe financial institution. With a Texas Ratio of 8.8447095294039%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Members First Credit Union Midland, MI Rates
Retrieved from our database of financial products. Rates subject to change.
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