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Midwest America Federal Credit Union

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Midwest America Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Midwest America Federal Credit Union?

Current rates for Midwest America Federal Credit Union include: 12-Month CD: 2.25%, 18-Month CD: 2.00%, 24-Month CD: 1.75%, 60-Month CD: 1.75%, Savings: 3.00%, MMA: 3.65%

Q: What CD terms does Midwest America Federal Credit Union offer?

Midwest America Federal Credit Union CD rates are 2.25% APY for a 12 month CD, 4.50% APY for a 13 month CD, 3.60% APY for a 14 month CD, 2.00% APY for an 18 month CD, 1.75% APY for a 2 year CD and 1.75% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Midwest America Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Midwest America Federal Credit Union's 13 Month CD rates are at 4.50%, 14 Month Traditional/Roth IRA CD rates are at 3.60%, 12 Month Branch Into Savings Youth CD rates are at 3.25%, 12 Month Share/IRA CD - Relationship Perks rates are at 2.45%, 182 Day Share/IRA CD - Relationship Perks rates are at 2.45%. Midwest America Federal Credit Union's savings rates are at 3.00%. Midwest America Federal Credit Union's money market rates are at 3.65%. Midwest America Federal Credit Union's checking rates are as high as 5.00%. Midwest America Federal Credit Union's 5/5 Adjustable-Rate Mortgage rates are at 5.62%. Midwest America Federal Credit Union's Personal Loan Rates are as low as 11.90%. Midwest America Federal Credit Union's CD rates are 17% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Midwest America Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.56%. Rates last updated and verified on 10/30/2026.

Midwest America 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 Midwest America Federal Credit Union? Share your experience about Midwest America Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Midwest America Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.56%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Midwest America Federal Credit Union
Medical Park Drive

1104 Medical Park Dr
Fort Wayne, IN 46825-5826

https://www.mwafcu.org

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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.

Midwest America Federal Credit Union CD Rates

Product	Rate	APY	Term
13 Month Share Certificate	4.41%	4.50%	13 month
Min Balance $500 Details Special Certificate; Dividend distribution: Monthly; Offer valid September 23, 2026 through November 1, 2026; Penalty for early withdrawal; New money not required; Relationship Perks do not apply Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10% Sep 27, 20264.50%▲ from 4.10% Sep 18, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
14 Month Traditional/Roth IRA Certificate	3.54%	3.60%	14 month
Min Balance $500 Details Special Certificate; Dividend distribution: Monthly; Offer valid September 23, 2026 through November 1, 2026; Penalty for early withdrawal; New money not required; Relationship Perks do not apply Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
12 Month Branch Into Savings Youth Certificate	3.20%	3.25%	12 month
Min Balance $500 Details Regular Certificates; Balance: $500 - $1,000; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
12 Month Share/IRA Certificate - Relationship Perks	-	2.45%	12 month
Min Balance $500 Details APY (w/ Relationship Perks); Regular Certificates; Dividend Distribution: Monthly; requires active checking account open 30+ days with 5+ transactions in most recent month Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
182 Day Share/IRA Certificate - Relationship Perks	-	2.45%	182 days
Min Balance $500 Details APY (w/ Relationship Perks); Regular Certificates; Dividend Distribution: Monthly; requires active checking account open 30+ days with 5+ transactions in most recent month Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
12 Month Share/IRA Certificate	2.23%	2.25%	12 month
Min Balance $500 Details Regular Certificates; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
182 Day Share/IRA Certificate	2.23%	2.25%	182 days
Min Balance $500 Details Regular Certificates; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
18 Month Share/IRA Certificate - Relationship Perks	-	2.20%	18 month
Min Balance $500 Details APY (w/ Relationship Perks); Regular Certificates; Dividend Distribution: Monthly; requires active checking account open 30+ days with 5+ transactions in most recent month Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
18 Month Share/IRA Certificate	1.99%	2.00%	18 month
Min Balance $500 Details Regular Certificates; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
24 Month Share/IRA Certificate - Relationship Perks	-	1.95%	24 month
Min Balance $500 Details APY (w/ Relationship Perks); Regular Certificates; Dividend Distribution: Monthly; requires active checking account open 30+ days with 5+ transactions in most recent month Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
30 Month Share/IRA Certificate - Relationship Perks	-	1.95%	30 month
Min Balance $500 Details APY (w/ Relationship Perks); Regular Certificates; Dividend Distribution: Monthly; requires active checking account open 30+ days with 5+ transactions in most recent month Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
36 Month Share/IRA Certificate - Relationship Perks	-	1.95%	36 month
Min Balance $500 Details APY (w/ Relationship Perks); Regular Certificates; Dividend Distribution: Monthly; requires active checking account open 30+ days with 5+ transactions in most recent month Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
48 Month Share/IRA Certificate - Relationship Perks	-	1.95%	48 month
Min Balance $500 Details APY (w/ Relationship Perks); Regular Certificates; Dividend Distribution: Monthly; requires active checking account open 30+ days with 5+ transactions in most recent month Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
60 Month Share/IRA Certificate - Relationship Perks	-	1.95%	60 month
Min Balance $500 Details APY (w/ Relationship Perks); Regular Certificates; Dividend Distribution: Monthly; requires active checking account open 30+ days with 5+ transactions in most recent month Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
24 Month Share/IRA Certificate	1.74%	1.75%	24 month
Min Balance $500 Details Regular Certificates; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
30 Month Share/IRA Certificate	1.74%	1.75%	30 month
Min Balance $500 Details Regular Certificates; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
36 Month Share/IRA Certificate	1.74%	1.75%	36 month
Min Balance $500 Details Regular Certificates; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
48 Month Share/IRA Certificate	1.74%	1.75%	48 month
Min Balance $500 Details Regular Certificates; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
60 Month Share/IRA Certificate	1.74%	1.75%	60 month
Min Balance $500 Details Regular Certificates; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
13 Week Share/IRA Certificate - Relationship Perks	-	0.70%	13 week
Min Balance $500 Details APY (w/ Relationship Perks); Regular Certificates; Dividend Distribution: Maturity; requires active checking account open 30+ days with 5+ transactions in most recent month Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
13 Week Share/IRA Certificate	0.499%	0.50%	13 week
Min Balance $500 Details Regular Certificates; Dividend Distribution: Maturity Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
4 Week Share/IRA Certificate - Relationship Perks	-	0.23%	4 week
Min Balance $500 Details APY (w/ Relationship Perks); Regular Certificates; Dividend Distribution: Maturity; requires active checking account open 30+ days with 5+ transactions in most recent month Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.23% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
4 Week Share/IRA Certificate	0.03%	0.03%	4 week
Min Balance $500 Details Regular Certificates; Dividend Distribution: Maturity Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Savings Rates

Product	Rate	APY
Youth Savings	2.96%	3.00%
Min Deposit $1 Min Balance $0 Details Balance: $0 to $500; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Health Savings Account	0.51%	0.51%
Min Deposit $25 Min Balance $10,000 Details Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.51% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Health Savings Account	0.30%	0.30%
Min Deposit $25 Min Balance $2,500 Details Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Traditional Share IRA	0.14%	0.14%
Min Balance $1 Details Balance: $1.00; Dividend Distribution: Monthly; Rates effective 8/31/26 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.14% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Health Savings Account	0.05%	0.05%
Min Deposit $25 Min Balance $500 Details Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Regular Shares	0.05%	0.05%
Min Deposit $5 Min Balance $200 Details Dividend Distribution: Quarterly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
You Name It Savings	0.05%	0.05%
Min Deposit $1 Min Balance $0 Details Dividend Distribution: Quarterly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Youth Savings	0.05%	0.05%
Min Deposit $1 Min Balance $500 Details Balance: $500.01 and over; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Share Savings	0.05%	0.05%
Min Deposit $5 Min Balance $200 Details Balance: $200 to earn dividends; Dividend Distribution: Quarterly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Century Money Market	3.06%	3.10%
Min Deposit $100,000 Min Balance $100,000 Details Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History 1 change since Sep 22, 2026 · 2.85% → 3.10% ▲ 0.25 pts · high 3.10% / low 2.85% Oct 10, 20263.10%▲ from 2.85% Sep 22, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Gold Money Market	3.59%	3.65%
Min Deposit $0 Min Balance $250,000 Details Balance: $250,000 to earn dividends; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 3.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Gold Money Market	2.47%	2.50%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000 to earn dividends; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Gold Money Market	1.49%	1.50%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000 to earn dividends; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Gold Money Market	1.00%	1.00%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000 to earn dividends; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Gold Money Market	0.50%	0.50%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 to earn dividends; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Checking Rates

Product	Rate	APY
Reward Checking	4.89%	5.00%
Min Deposit $0 Min Balance $0 Details Balance: $0 to $10,000; Qualifying balance up to $10,000.00; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 5.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Association Checking	0.29%	0.29%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 to earn dividends; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.29% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Benefits Plus Checking	0.00%	0.00%
Min Deposit $0 Details Dividend Distribution: No distribution Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Freedom Checking	0.00%	0.00%
Min Deposit $0 Details Dividend Distribution: No distribution Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	0.38%	0.38%
Min Deposit $0 Min Balance $75,000 Details Balance: $75,000.01 and over; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.38% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Checking	0.29%	0.29%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000.01 to $75,000; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.29% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Checking	0.16%	0.16%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000.01 to $50,000; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.16% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Checking	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 to $25,000; Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Small Business Checking	0.00%	0.00%
Min Deposit $0 Details Dividend Distribution: No Distribution Last Updated 10/30/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
5/5 Adjustable-Rate Mortgage	5.625%	-	6.887%
Details As Low As; Introductory rate for 5/5 ARM; purchase or refinance; APR assumes $160,000 loan on $200,000 property, 780 credit score, 60-day rate lock; escrow required Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 6.89% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan Special	-	-	6.29%	Up to 72 months
Details As Low As; Offer valid for 2021 & newer model year vehicles; new vehicle purchases and refinancing; no payments for 90 days; one-time $49 processing fee; limited time offer Last Updated 10/30/2026 Rate History No change since Oct 6, 2026 · 6.29% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Auto Loans	-	-	6.49%
Details As Low As; Vehicles featured rate on Best Rates card Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99% Oct 6, 20266.49%▲ from 5.99% Sep 18, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Cars, Trucks, & Street Motorcycles - New Vehicle Loan	-	-	6.49%	Up to 72 months
Details As Low As; Rates effective 10/1/26 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Cars, Trucks, & Street Motorcycles - Used 2024-2026 Loan	-	-	6.49%	Up to 72 months
Details As Low As; Rates effective 10/1/26 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Cars, Trucks, & Street Motorcycles - Used 2021-2023 Loan	-	-	6.68%	Up to 66 months
Details As Low As; Rates effective 10/1/26 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.68% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Cars, Trucks, & Street Motorcycles - New Vehicle Loan	-	-	6.98%	73 to 78 months
Details As Low As; Rates effective 10/1/26 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.98% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Cars, Trucks, & Street Motorcycles - Used 2024-2026 Loan	-	-	6.98%	73 to 78 months
Details As Low As; Rates effective 10/1/26 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.98% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Powersports - New Vehicle Loan	-	-	7.07%	up to 72 months
Details As Low As; Powersports (Non-Street Motorcycles, ATVs, UTVs, PWCs, Golf Carts, Snowmobiles, & Scooters); Rates and applicant's qualifications may vary; one-time $49 processing fee Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.07% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Cars, Trucks, & Street Motorcycles - Used 2021-2023 Loan	-	-	7.18%	67 to 72 months
Details As Low As; Rates effective 10/1/26 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.18% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Cars, Trucks, & Street Motorcycles - Used 2018-2020 Loan	-	-	7.19%	Up to 60 months
Details As Low As; Rates effective 10/1/26 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Cars, Trucks, & Street Motorcycles - Used 2018-2020 Loan	-	-	7.68%	61 to 66 months
Details As Low As; Rates effective 10/1/26 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.68% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Cars, Trucks, & Street Motorcycles - Used 2017 & Older Loan	-	-	7.80%	Up to 54 months
Details As Low As; Rates effective 10/1/26 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.80% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicles & Boats - New Vehicle Loan	-	6.49%	72 months
Details As Low As; Min. Amount: n/a Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Recreational Vehicles & Boats - Used 2024-2026 Loan	-	6.49%	72 months
Details As Low As; Min. Amount: n/a Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Recreational Vehicles & Boats - New Vehicle Loan	-	7.05%	84 to 120 months
Details As Low As; Min. Amount: $20,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.05% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Recreational Vehicles & Boats - Used 2024-2026 Loan	-	7.05%	84 to 120 months
Details As Low As; Min. Amount: $20,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.05% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Powersports - Used 2024-2026 Loan	-	7.07%	up to 72 months
Details As Low As; Powersports (Non-Street Motorcycles, ATVs, UTVs, PWCs, Golf Carts, Snowmobiles, & Scooters); Rates and applicant's qualifications may vary; one-time $49 processing fee Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.07% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Recreational Vehicles & Boats - Used 2022-2023 Loan	-	7.08%	up to 72 months
Details As Low As; Min. Amount: n/a Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.08% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Recreational Vehicles & Boats - New Vehicle Loan	-	7.54%	121 to 180 months
Details As Low As; Min. Amount: $50,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.54% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Recreational Vehicles & Boats - Used 2024-2026 Loan	-	7.54%	121 to 180 months
Details As Low As; Min. Amount: $50,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.54% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Powersports - Used 2022-2023 Loan	-	7.58%	up to 60 months
Details As Low As; Powersports (Non-Street Motorcycles, ATVs, UTVs, PWCs, Golf Carts, Snowmobiles, & Scooters); Rates and applicant's qualifications may vary; one-time $49 processing fee Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.58% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Recreational Vehicles & Boats - Used 2022-2023 Loan	-	8.05%	84 to 120 months
Details As Low As; Min. Amount: $20,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.05% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Powersports - Used 2020-2021 Loan	-	8.09%	up to 54 months
Details As Low As; Powersports (Non-Street Motorcycles, ATVs, UTVs, PWCs, Golf Carts, Snowmobiles, & Scooters); Rates and applicant's qualifications may vary; one-time $49 processing fee Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.09% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Recreational Vehicles & Boats - Used 2022-2023 Loan	-	8.54%	121 to 180 months
Details As Low As; Min. Amount: $50,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.54% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Recreational Vehicles & Boats - Used 2017-2021 Loan	-	8.58%	up to 72 months
Details As Low As; Min. Amount: n/a Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.58% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Recreational Vehicles & Boats - Used 2016 & Older Loan	-	8.60%	up to 60 months
Details As Low As; Min. Amount: n/a Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.60% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Powersports - Used 2019 & Older Loan	-	9.09%	up to 54 months
Details As Low As; Powersports (Non-Street Motorcycles, ATVs, UTVs, PWCs, Golf Carts, Snowmobiles, & Scooters); Rates and applicant's qualifications may vary; one-time $49 processing fee Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.09% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Recreational Vehicles & Boats - Used 2017-2021 Loan	-	9.55%	84 to 120 months
Details As Low As; Min. Amount: $20,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.55% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Recreational Vehicles & Boats - Used 2016 & Older Loan	-	9.57%	72 to 84 months
Details As Low As; Min. Amount: $5,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.57% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans - Personal	11.90%	Up to 60 months
Details $25,000; APR = Annual Percentage Rate; As low as; Rates effective 10/1/26; One-time $49 processing fee may apply per Apply Online terms Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 11.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder	-	-	4.05%	Up to 36 months
Details $5,000; As Low As; Max. amount $5,000; Rates effective 10/1/26 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.05% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Get it Done Home Loan - 10 Years	5.49%	-	5.633%	10 years
Details As Low As; Refinance first mortgage or combine 1st and 2nd; APR includes $399 loan origination fee (discounted to $299 with Relationship Perks); example $60,000 loan Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.63% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Get it Done Home Loan - 13 Years	5.74%	-	5.74%	13 years
Details As Low As; Refinance first mortgage or combine 1st and 2nd; APR includes $399 loan origination fee (discounted to $299 with Relationship Perks); example $60,000 loan Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Get it Done Home Loan - 7 Years	5.24%	-	5.24%	7 years
Details As Low As; Refinance first mortgage or combine 1st and 2nd; APR includes $399 loan origination fee (discounted to $299 with Relationship Perks); example $60,000 loan Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.44% → 5.24% ▼ 0.20 pts · high 5.44% / low 5.24% Oct 19, 20265.24%▼ from 5.44% Sep 14, 20265.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Get it Done Home Loans	-	-	6.445%
Details As Low As; Mortgage featured rate on Best Rates card Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.44% → 6.45% ▲ 1.01 pts · high 6.45% / low 5.44% Oct 14, 20266.45%▲ from 5.44% Sep 14, 20265.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Home Energy Loans - smart e-Loans	-	-	6.99%	5 years
Details Smart E-Loans for home improvements; all rates expressed as APR Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Home Energy Loans - smart e-Loans	-	-	7.49%	7 years
Details Smart E-Loans for home improvements; all rates expressed as APR Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 7.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Home Energy Loans - smart e-Loans	-	-	7.49%	10 years
Details Smart E-Loans for home improvements; all rates expressed as APR Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 7.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Home Energy Loans - smart e-Loans	-	-	7.99%	12, 15, 20 years
Details Smart E-Loans for home improvements; all rates expressed as APR Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 7.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Second Mortgage - Owner Occupied	-	-	7.548%	121 to 180 months
Details As Low As; Fixed rate second mortgage; $199 processing fee ($99 with Relationship Perks); Maximum amount financed $350,000 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.46% → 7.55% ▲ 1.09 pts · high 7.55% / low 6.46% Oct 2, 20267.55%▲ from 6.46% Sep 18, 20266.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Second Mortgage - Owner Occupied	-	-	8.039%	181 to 240 months
Details As Low As; Fixed rate second mortgage; $199 processing fee ($99 with Relationship Perks); Maximum amount financed $350,000 Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 6.95% → 8.04% ▲ 1.09 pts · high 8.04% / low 6.95% Oct 2, 20268.04%▲ from 6.95% Sep 18, 20266.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Coverdell ESA	0.14%	-	0.14%
Min Balance $1 Details Balance: $1.00; Dividend Distribution: Monthly; Rates effective 8/31/26 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.14% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Liquid Gold	0.30%	-	0.30%
Min Deposit $2,500 Min Balance $2,500 Details Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Liquid Gold	0.46%	-	0.46%
Min Deposit $2,500 Min Balance $10,000 Details Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.46% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Liquid Gold	0.56%	-	0.56%
Min Deposit $2,500 Min Balance $25,000 Details Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.56% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Liquid Gold	0.66%	-	0.66%
Min Deposit $2,500 Min Balance $50,000 Details Dividend Distribution: Monthly Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.66% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

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

Midwest America Federal Credit Union’s Texas Ratio rose from 0.85% in Q3 2023 to 4.56% 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$1.0B	4.56%	5.0	A+
March 31, 2026	$995M	4.06%	5.0	A+
December 31, 2025	$959M	4.41%	5.0	A+
September 30, 2025	$957M	3.67%	5.0	A+
June 30, 2025	$949M	3.42%	5.0	A+
March 31, 2025	$944M	2.95%	5.0	A+
December 31, 2024	$901M	2.85%	5.0	A+
September 30, 2024	$880M	1.97%	5.0	A+
June 30, 2024	$857M	1.85%	5.0	A+
March 31, 2024	$860M	1.82%	5.0	A+
December 31, 2023	$821M	1.62%	5.0	A+
September 30, 2023	$810M	0.85%	5.0	A+

Source: NCUA 5300 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 Midwest America 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 Midwest America 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 Midwest America Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Midwest America Federal Credit Union

Website https://www.mwafcu.org

Address 1104 Medical Park Dr, Fort Wayne, IN 46825-5826

Phone 260-482-3334

Fax

President Maureen Fulk

CEO David Shadburne

Full-Time Employees 196

Part-Time Employees 8

Branch Locations 15

ATM Locations 15

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.56%

Return on Assets (ROA)

0.5722%

Return on Equity (ROE)

3.9625%

Non-Performing Loans Ratio (NPL)

0.90%

Total Assets

1,003,287,811

Total Amount of Shares and Deposits

846,425,265

Total Shares and Deposits < 1 Year

754,179,823

Total Shares and Deposits 1 3 Years

89,636,293

Total Shares and Deposits > 3 Years

2,609,149

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

59,644,373

Total Uninsured Shares and Deposits > $250K (F+J)

59,644,373

Total Insured Shares and Deposits > $250K (item 17 less item K)

786,780,892

Total Interest Expense (Sum of items 6 8)

7,737,824

Share Certificates

8,552

Number of Accounts for Share Drafts

29,131

IRA KEOGH Accounts

1,592

Number of Accounts for Regular Shares

63,572

All other shares

269

Money Market Shares

1,258

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)

29,553,790

Total Liabilities

859,520,752

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Midwest America Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Midwest America Federal Credit Union

Does Midwest America Federal Credit Union offer CDs?

Yes. Midwest America Federal Credit Union current CD rates include its 13 Month CD at 4.50% APY, its 14 Month Traditional/Roth IRA CD at 3.60% APY and its 12 Month Branch Into Savings Youth CD at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Midwest America Federal Credit Union NCUA insured?

Yes. Midwest America Federal Credit Union 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 Midwest America Federal Credit Union?

The highest Midwest America Federal Credit Union CD rate is its 13 Month CD at 4.50% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Midwest America Federal Credit Union offer?

Midwest America Federal Credit Union CD rates are 2.25% APY for a 12 month CD, 4.50% APY for a 13 month CD, 3.60% APY for a 14 month CD, 2.00% APY for an 18 month CD, 1.75% APY for a 2 year CD and 1.75% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Midwest America Federal Credit Union for its full lineup.

What is the highest savings rate at Midwest America Federal Credit Union?

The highest Midwest America Federal Credit Union savings rate is its Youth Savings at 3.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Midwest America Federal Credit Union?

The highest Midwest America Federal Credit Union money market rate is its Business Gold Money Market at 3.65% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Midwest America Federal Credit Union?

The highest Midwest America Federal Credit Union checking rate is its Reward Checking at 5.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest mortgage rate at Midwest America Federal Credit Union?

The lowest Midwest America Federal Credit Union mortgage rate is its 5/5 Adjustable-Rate Mortgage at 5.625%, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Midwest America Federal Credit Union?

The lowest Midwest America Federal Credit Union auto loan rate is its Auto Loan Special at 6.29% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Midwest America Federal Credit Union?

The lowest Midwest America Federal Credit Union personal loan rate is its Personal Loans - Personal at 11.90% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Midwest America Federal Credit Union operate?

Midwest America 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 Midwest America Federal Credit Union?

Yes, to access services at Midwest America 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, Midwest America 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, Midwest America Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Midwest America Federal Credit Union offer online and mobile banking?

Most modern institutions like Midwest America 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.mwafcu.org.

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 Midwest America Federal Credit Union rates compare?

Midwest America Federal Credit Union's CD rates are 17% lower than the MonitorBankRates national average, and it has an A+ health rating. Midwest America Federal Credit Union's top rates are its 13 Month CD at 4.50% APY, its Youth Savings at 3.00% APY, its Business Gold Money Market at 3.65% APY, its Reward Checking at 5.00% APY, its 5/5 Adjustable-Rate Mortgage at 5.625% and its Personal Loans - Personal at 11.90% APR, verified by MonitorBankRates on October 30, 2026.

Current Midwest America Federal Credit Union Rates

12-Month CD2.25%
18-Month CD2.00%
24-Month CD1.75%
60-Month CD1.75%
Savings3.00%
MMA3.65%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Midwest America Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Midwest America Federal Credit Union Texas Ratio

Midwest America Federal Credit Union Health Trend

Midwest America Federal Credit Union CD Rates

Midwest America Federal Credit Union Savings Rates

Midwest America Federal Credit Union Business Savings Rates

Midwest America Federal Credit Union Money Market Rates

Midwest America Federal Credit Union Business Money Market Rates

Midwest America Federal Credit Union Checking Rates

Midwest America Federal Credit Union Business Checking Rates

Midwest America Federal Credit Union Mortgage Rates

Midwest America Federal Credit Union Auto Loan Rates

Midwest America Federal Credit Union RV, Boat and Powersport Loan Rates

Midwest America Federal Credit Union Personal Loan Rates

Midwest America Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Midwest America Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Midwest America Federal Credit Union

Does Midwest America Federal Credit Union offer CDs?

Are CDs from Midwest America Federal Credit Union NCUA insured?

What is the highest CD rate at Midwest America Federal Credit Union?

What CD terms does Midwest America Federal Credit Union offer?

What is the highest savings rate at Midwest America Federal Credit Union?

What is the highest money market rate at Midwest America Federal Credit Union?

What is the highest checking rate at Midwest America Federal Credit Union?

What is the lowest mortgage rate at Midwest America Federal Credit Union?

What is the lowest auto loan rate at Midwest America Federal Credit Union?

What is the lowest personal loan rate at Midwest America Federal Credit Union?

How many branches does Midwest America Federal Credit Union operate?

Is a member application needed to join Midwest America Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Midwest America Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Midwest America Federal Credit Union rates compare?

Current Midwest America Federal Credit Union Rates

Compare to Other Credit Unions