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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.
 Mid American Credit Union 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.
Read Full Bio →
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 28, 2026
Mid American Credit Union's Pay Day CD - 3 Year rates are at 0.60%, Pay Day CD - 4 year rates are at 0.60%, Pay Day CD - 5 Year rates are at 0.60%, Pay Day CD - 2 Year rates are at 0.50%, Pay Day CD - 18 Month rates are at 0.45%. Mid American Credit Union's savings rates are at 0.03%. Mid American Credit Union's money market rates are at 0.05%. Mid American Credit Union's 15 Year Fixed Rate rates are at 6.00%, 30 Year Fixed Rate rates are at 6.75%, 20 Year Fixed Rate rates are at 6.75%, Advantage Home Loan rates are at 7.25%. Mid American Credit Union's Personal Loan Rates are at 4.74%. MonitorBankRates evaluates the financial stability of Mid American Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.01%. Rates were last updated on 03/28/2026. Mid American Credit Union 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 Mid American Credit Union? Share your experience about Mid American Credit Union by leaving a review below, or read customer reviews before you decide to use Mid American Credit Union. Mid American Credit Union
Main Office 8404 W Kellogg Dr
https://www.midamerican.coop/ Wichita, KS 67209 1845 
Mid American Credit Union CD Rates
Mid American Credit Union Savings Rates
Mid American Credit Union Money Market Rates
Mid American Credit Union Checking Rates
Mid American Credit Union Mortgage Rates
Mid American Credit Union Home Equity & HELOC
Mid American Credit Union Auto Loan Rates
Mid American Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Mid American Credit Union 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 Mid American Credit Union 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 Mid American Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Mid American Credit Union
Website
https://www.midamerican.coop/
Address
8404 W Kellogg Dr,
Wichita, KS 67209 1845
Phone
316-722-3921
Fax
316-722-0920
President
REBECCA BOUSKA
CEO
BRADLEY HERZET
Full-Time Employees
110
Part-Time Employees
1
Branch Locations
9
ATM Locations
7
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.01%
Return on Assets (ROA)
0.4827%
Return on Equity (ROE)
5.3634%
Non-Performing Loans Ratio (NPL)
0.50%
Total Assets
501,080,299
Total Amount of Shares and Deposits
417,246,824
Total Shares and Deposits < 1 Year
308,635,178
Total Shares and Deposits 1 3 Years
100,074,922
Total Shares and Deposits > 3 Years
8,536,724
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,773,851
Total Uninsured Shares and Deposits > $250K (F+J)
11,773,851
Total Insured Shares and Deposits > $250K (item 17 less item K)
405,472,973
Total Interest Expense (Sum of items 6 8)
8,008,774
Share Certificates
2,385
Number of Accounts for Share Drafts
13,377
IRA KEOGH Accounts
2,926
Number of Accounts for Regular Shares
48,680
Non Member Deposits
78
Money Market Shares
656
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,456,459
Total Liabilities
456,466,931
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Mid American Credit UnionIs Mid American Credit Union a safe place to deposit money?Yes, Mid American Credit Union is considered a safe financial institution. With a Texas Ratio of 5.0091484942534%, 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 Mid American Credit Union operate?Mid American Credit Union 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 Mid American Credit Union?Yes, to access services at Mid American Credit Union, 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, Mid American Credit Union 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, Mid American Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Mid American Credit Union offer online and mobile banking?Most modern institutions like Mid American Credit Union 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.midamerican.coop/. Current Mid American Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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