What are the current interest rates at MidCountry Bank?

Current rates for MidCountry Bank include: 12-Month CD: 2.50%, 18-Month CD: 0.10%, 24-Month CD: 0.10%, 36-Month CD: 0.10%, 48-Month CD: 0.10%, 60-Month CD: 0.10%, Savings: 0.01%, MMA: 0.30%

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MidCountry Bank

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MidCountry Bank Rates & Review September 2026

Q: How many branches does MidCountry Bank operate?

MidCountry Bank currently maintains approximately 16 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, MidCountry Bank 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, MidCountry Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

MidCountry Bank's Variable Rate Certificate of Deposit 24-Month Term rates are at 4.06%, Certificate of Deposit 7-Month Term rates are at 3.57%, Certificate of Deposit 12-Month Term rates are at 3.35%, Certificate of Deposit 12-Month Term rates are at 3.25%, Certificate of Deposit 12-Month Term rates are at 3.15%. MidCountry Bank's savings rates are at 0.01%. MidCountry Bank's money market rates are at 0.30%. MonitorBankRates evaluates the financial stability of MidCountry Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.95%. Rates last updated and verified on 09/19/2026.

MidCountry Bank 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 MidCountry Bank? Share your experience about MidCountry Bank by leaving a review below, or read customer reviews before you decide to use MidCountry Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.95%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

MidCountry Bank

7825 Washington Ave S
Minneapolis, MN 55439

https://www.midcountrybank.com

MidCountry Bank CD Rates

Product	Rate	APY	Term
Variable Rate Certificate of Deposit 24 Month Term	4.00%	4.06%	24 Month Term
Min Deposit $25,000 Min Balance $25,000 Details Rate: Prime minus 3.00%; New money only. Fees may reduce earnings. Rates are subject to change. IRA accounts are not eligible. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 7 Month Term	3.55%	3.57%	7 Month Term
Min Deposit $25,000 Min Balance $25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 12 Month Term	3.35%	3.35%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $100,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 12 Month Term	3.25%	3.25%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 12 Month Term	3.15%	3.15%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 6 Month Term	3.10%	3.13%	6 Month Term
Min Balance $10,000 Details Balance: $100,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 24 Month Term	3.00%	3.04%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 24 Month Term	3.00%	3.04%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 24 Month Term	3.00%	3.04%
Min Balance $10,000 Details Balance: $100,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 18 Month Term	3.00%	3.03%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 18 Month Term	3.00%	3.03%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 18 Month Term	3.00%	3.03%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $100,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 6 Month Term	3.00%	3.03%	6 Month Term
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 6 Month Term	2.90%	2.93%	6 Month Term
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 36 Month Term	2.80%	2.83%
Min Balance $10,000 Details Balance: $100,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 48 Month Term	2.80%	2.83%
Min Balance $10,000 Details Balance: $100,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 60 Month Term	2.80%	2.83%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $100,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 36 Month Term	2.70%	2.73%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 48 Month Term	2.70%	2.73%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 60 Month Term	2.70%	2.73%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 36 Month Term	2.60%	2.63%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 48 Month Term	2.60%	2.63%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 60 Month Term	2.60%	2.63%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 6 Month Term	2.50%	2.52%	6 Month Term
Min Balance $1,000 Details Balance: $1,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 12 Month Term	2.50%	2.50%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 18 Month Term	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 24 Month Term	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 36 Month Term	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 48 Month Term	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Certificate of Deposit 60 Month Term	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%

MidCountry Bank Savings Rates

Product	Rate	APY
SmartStart Savings4Me	4.89%	5.00%
Min Deposit $0 Min Balance $0 Details Balance: $0 - $5,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Savings4Business	3.50%	3.55%
Min Deposit $50 Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
SmartStart Savings4Me	3.50%	3.55%
Min Deposit $50 Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Savings4Business	3.25%	3.29%
Min Deposit $50 Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
SmartStart Savings4Me	3.25%	3.29%
Min Deposit $50 Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Health Savings Account (HSA)	0.04%	0.04%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Health Savings Account (HSA)	0.04%	0.04%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
IRA Savings	0.04%	0.04%
Min Deposit $10 Min Balance $20,000 Details Balance: $20,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Savings4Business	0.04%	0.04%
Min Deposit $50 Min Balance $0 Details Balance: $0 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Savings4Me	0.04%	0.04%
Min Deposit $50 Min Balance $0 Details Balance: $0.01 - $50.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
SmartStart Savings4Me	0.04%	0.04%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000.01 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
SmartStart Savings4Me	0.04%	0.04%
Min Deposit $50 Min Balance $0 Details Balance: $0 - $499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Health Savings Account (HSA)	0.03%	0.03%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
IRA Savings	0.03%	0.03%
Min Deposit $10 Min Balance $10,000 Details Balance: $10,000 - $19,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
IRA Savings	0.01%	0.01%
Min Deposit $10 Min Balance $100 Details Balance: $100 - $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%

MidCountry Bank Money Market Rates

Product	Rate	APY
Money Market4Business	2.25%	2.27%
Min Deposit $50 Min Balance $250,000 Details Balance: $250,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Money Market4Me	2.25%	2.27%
Min Deposit $50 Min Balance $250,000 Details Balance: $250,000.00 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Money Market4Business	1.90%	1.92%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Money Market4Me	1.90%	1.92%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Money Market4Business	1.00%	1.00%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Money Market4Me	1.00%	1.00%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Money Market4Business	0.30%	0.30%
Min Deposit $50 Min Balance $0 Details Balance: $0 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Money Market4Me	0.30%	0.30%
Min Deposit $50 Min Balance $0 Details Balance: $0 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%

MidCountry Bank Checking Rates

Product	Rate	APY
Rewards4Me Checking	0.04%	0.04%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Rewards4Me Checking	0.02%	0.02%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%
Rewards4Me Checking	0.01%	0.01%
Min Deposit $50 Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.95%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

MidCountry Bank’s Texas Ratio fell from 17.71% in Q3 2023 to 5.95% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.8 to 5.0 and its Health Grade from B+ to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	5.95%	5.0	A+
March 31, 2026	$1.0B	8.02%	5.0	A
December 31, 2025	$1.0B	9.53%	5.0	A
September 30, 2025	$1.0B	10.90%	5.0	A
June 30, 2025	$1.1B	12.52%	5.0	A
March 31, 2025	$1.1B	14.35%	5.0	A-
December 31, 2024	$1.1B	18.86%	4.7	B+
September 30, 2024	$1.1B	19.37%	4.6	B
June 30, 2024	$1.2B	8.82%	5.0	A
March 31, 2024	$1.2B	8.88%	5.0	A
December 31, 2023	$1.1B	7.96%	5.0	A
September 30, 2023	$1.1B	17.71%	4.8	B+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for MidCountry Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather MidCountry Bank 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 MidCountry Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name MidCountry Bank

Bank Holding Company MIDCOUNTRY ACQUISITION CORP

Address 7825 Washington Ave S, Minneapolis, MN 55439 · Hennepin

Website https://www.midcountrybank.com

FDIC Certificate # 28865

Established 19330101

FDIC Insurance Date 19890809

Domestic Offices 16

Total Branches 16

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.95%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0270%

Return on Equity (ROE) 8.0800%

Non-Performing Loans (NPL) 0.62%

Total Assets $1,070,620,000

Total Deposits $835,800,000

Equity Capital $133,357,000

Net Income $5,403,000

Headquarters Minneapolis

Total Branches and Offices 16

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

MidCountry Bank earned the Verified Healthy badge

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Frequently Asked Questions About MidCountry Bank

How many branches does MidCountry Bank operate?

MidCountry Bank currently maintains approximately 16 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, MidCountry Bank 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, MidCountry Bank provides members with tools to manage their accounts and build a solid financial history.

Does MidCountry Bank offer online and mobile banking?

Most modern institutions like MidCountry Bank 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.midcountrybank.com.