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iAdvertiser Disclosure
Advertiser Disclosure
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 Mid Minnesota Federal Credit Union Rates & Review April 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: April 18, 2026
Mid Minnesota Federal Credit Union's 7 Month Special Term CD rates are at 3.80%, 10 Month Special Term CD rates are at 3.70%, 13 Month Special Term CD rates are at 3.60%, 18 month Term CD rates are at 3.50%, 12 month Term CD rates are at 3.05%. Mid Minnesota Federal Credit Union's savings rates are at 0.05%. Mid Minnesota Federal Credit Union's money market rates are at 0.05%. Mid Minnesota Federal Credit Union's Personal Loan Rates are at 11.84%. MonitorBankRates evaluates the financial stability of Mid Minnesota Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.30%. Rates were last updated on 04/18/2026. Mid Minnesota Federal 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 Minnesota Federal Credit Union? Share your experience about Mid Minnesota Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Mid Minnesota Federal Credit Union. Mid Minnesota Federal Credit Union
Mid Minnesota Federal Credit Union 13283 Isle Dr
https://www.mmfcu.org Baxter, MN 56425 8554 
Mid Minnesota Federal Credit Union CD Rates
Mid Minnesota Federal Credit Union Savings Rates
Mid Minnesota Federal Credit Union Money Market Rates
Mid Minnesota Federal Credit Union Checking Rates
Mid Minnesota Federal Credit Union Home Equity & HELOC
Mid Minnesota Federal Credit Union Credit Card Rates
Mid Minnesota Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Mid Minnesota Federal 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 Minnesota Federal 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 Minnesota Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Mid Minnesota Federal Credit Union
Website
https://www.mmfcu.org
Address
13283 Isle Dr,
Baxter, MN 56425 8554
Phone
218-829-0371
Fax
218-822-2455
President
Greg Lange
CEO
Bob Gerads
Full-Time Employees
179
Part-Time Employees
1
Branch Locations
12
ATM Locations
13
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
3.30%
Return on Assets (ROA)
0.6181%
Return on Equity (ROE)
6.7559%
Non-Performing Loans Ratio (NPL)
0.37%
Total Assets
800,733,198
Total Amount of Shares and Deposits
703,789,685
Total Shares and Deposits < 1 Year
689,963,275
Total Shares and Deposits 1 3 Years
13,372,474
Total Shares and Deposits > 3 Years
453,936
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
42,609,668
Total Uninsured Shares and Deposits > $250K (F+J)
42,609,668
Total Insured Shares and Deposits > $250K (item 17 less item K)
661,180,017
Total Interest Expense (Sum of items 6 8)
8,130,010
Share Certificates
7,441
Number of Accounts for Share Drafts
102,632
IRA KEOGH Accounts
1,398
Number of Accounts for Regular Shares
11,602
All other shares
3,066
Money Market Shares
337
Net Income (unless the amount is already included in Undivided Earnings)
4,949,182
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
24,512,688
Total Liabilities
727,679,383
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Mid Minnesota Federal Credit UnionIs Mid Minnesota Federal Credit Union a safe place to deposit money?Yes, Mid Minnesota Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.3045017838717%, 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 Minnesota Federal Credit Union operate?Mid Minnesota Federal 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 Minnesota Federal Credit Union?Yes, to access services at Mid Minnesota Federal 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 Minnesota Federal 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 Minnesota Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Mid Minnesota Federal Credit Union offer online and mobile banking?Most modern institutions like Mid Minnesota Federal 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.mmfcu.org. Current Mid Minnesota Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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