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Mid Minnesota Federal Credit Union Rates & Review September 2026

Mid Minnesota Federal Credit Union's 36 Month Fast Forward Term CD rates are at 4.49%, 17 Month CD Special rates are at 4.05%, 17 Month Special Term CD rates are at 4.05%, 13 Month CD Special rates are at 3.95%, 13 Month Special Term CD rates are at 3.95%. Mid Minnesota Federal Credit Union's savings rates are at 0.07%. Mid Minnesota Federal Credit Union's money market rates are at 0.05%. Mid Minnesota Federal Credit Union's Personal Loan Rates are as low as 11.99%. Mid Minnesota Federal Credit Union's Credit Card Rates are at 9.99%. 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 3.31%. Rates last updated and verified on 09/21/2026.

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.

MonitorBankRates Verified Healthy Badge 2026 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 ?
3.31%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Mid Minnesota Federal Credit Union
Mid Minnesota Federal Credit Union
13283 Isle Dr
Baxter, MN 56425-8554
https://www.mmfcu.org
Member NCUA

Mid Minnesota Federal Credit Union CD Rates

Product Rate APY Term View More
36 Month Fast Forward Term Share Certificate - 4.49% 36 months
Min Deposit $10
Min Balance $10
Details $10 minimum at 36 months and requires a monthly deposit between $10 & $500
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
17 Month Certificate Special - 4.05% 17 Month
Details Special
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
17 Month Special Term Share Certificate - 4.05% 17 Month Special
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
13 Month Certificate Special - 3.95% 13 Month
Details Special
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
13 Month Special Term Share Certificate - 3.95% 13 Month Special
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
10 Month Special Term Share Certificate - 3.90% 10 Month Special
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
7 Month Certificate Special - 3.85% 7 Month
Details Special
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
7 Month Special Term Share Certificate - 3.85% 7 Month Special
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
18 Month Certificate - 3.50% 18 Months
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
24 month Term Share Certificate - 3.50% 24 Months
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
36 month Term Share Certificate - 3.50% 36 Months
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
48 month Term Share Certificate - 3.50% 48 Months
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
24 Month Bump Certificates - 3.35% 24 months
Min Deposit $5,000
Min Balance $5,000
Details $5,000 minimum at 24 months with one bump per term
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
36 Month Add-On Term Share Certificates - 3.35% 36 months
Min Deposit $2,500
Min Balance $2,500
Details $2,500 minimum with $500 minimum additions at 36 months
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
36 Month Bump Certificates - 3.35% 36 months
Min Deposit $5,000
Min Balance $5,000
Details $5,000 minimum at 36 months with one bump per term
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
12 month Term Share Certificate - 3.10% 12 Months
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
6 month Term Share Certificate - 3.00% 6 Months
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%

Mid Minnesota Federal Credit Union Savings Rates

Product Rate APY View More
Estate Savings - 4.40%
Details Rates as high as 4.40% APY
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
YES (Youth Education Savings) - 3.00%
Min Balance $5
Details YES (Youth Education Savings) (blended APY .79-3.00%) Rates as high as 3.00% APY $5-$500 balance Rates as high as 0.05% APY Over $500 balance (blended APY .79-3.00%)
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
Health Savings Accounts (HSA) - 0.20%
Min Balance $100
Details $100-$4,999 balance Rates as high as 0.20% APY $5,000 - $9,999 balance Rates as high as 0.25% APY $10,000 - $24,999 Rates as high as 0.30% APY Balances over $25,000 Rates as high as 0.35% APY
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
Floating IRA Savings (Traditional, Roth & Education) - 0.10%
Min Balance $5
Details $5-$9,999 balance Rates as high as 0.10% APY $10,000-$49,999 balance Rates as high as 0.10% APY Over $50,000 balance Rates as high as 0.15% APY
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
WINcentiveTM Savings - 0.10%
Details Rates as high as 0.10% APY
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
High Yield Savings - 0.07%
Min Balance $0
Details Below $75,000 balance Rates as high as 0.07% APY $75,000-$199,999 balance Rates as high as 3.25% APY Over $200,000 balance Rates as high as 3.40% APY
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
Money Market Savings - 0.07%
Min Balance $0
Details Below $25,000 balance Rates as high as 0.07% APY $25,000-$49,999 balance Rates as high as 1.35% APY $50,000 - $99,999 balance Rates as high as 1.45% APY $100,000 - $249,999 balance Rates as high as 1.55% APY Over $250,000 balance Rates as high as 1.65% APY
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
Super Savers - 0.07%
Min Balance $5
Details $5-$2,499 balance Rates as high as 0.07% APY $2,500-$4,999 balance Rates as high as 0.07% APY Over $5,000 balance
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%

Mid Minnesota Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market Savings - 0.07%
Min Balance $0
Details Below $25,000 balance Rates as high as 0.07% APY $25,000-$49,999 balance Rates as high as 1.35% APY $50,000 - $99,999 balance Rates as high as 1.45% APY $100,000 - $249,999 balance Rates as high as 1.55% APY Over $250,000 balance Rates as high as 1.65% APY
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%

Mid Minnesota Federal Credit Union Checking Rates

Product Rate APY View More
Business Dividend Checking - 0.10%
Min Balance $5,000
Details $5,000 -$9,999 balance Rates as high as 0.10% APY $10,000-$49,999 balance Rates as high as 0.20% APY Over $50,000 balance Rates as high as 0.20% APY
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
IOLTA Lawyers Trust Checking - 0.10%
Min Balance $5,000
Details $5,000 -$9,999 balance Rates as high as 0.10% APY $10,000-$49,999 balance Rates as high as 0.15% APY Over $10,000 balance Rates as high as 0.15% APY
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
Money Market Checking - 0.05%
Min Balance $1,500
Details $1,500 -$9,999 balance Rates as high as 0.05% APY $10,000-$49,999 balance Rates as high as 0.15% APY Over $50,000 balance Rates as high as 0.15% APY
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%

Mid Minnesota Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit (HELOC) - - 7.00%
Details The HELOC is a variable rate product based upon the Prime Rate. The maximum HELOC rate is 18.0% APR.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%

Mid Minnesota Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Autos & Motorcycles - - 4.09%
Details Rates as low as 4.09% APR^
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
Off Road Vehicles Loan - - 6.34%
Details Rates as low as 6.34% APR^
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%

Mid Minnesota Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
RVs & Boats Loan - 4.59%
Details Rates as low as 4.59% APR^
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%

Mid Minnesota Federal Credit Union Credit Card Rates

Product Rate APR View More
Classic Credit Card - 9.99%
Details Regular APR: 9.99%
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
Platinum Rewards Credit Card - 10.99%
Details Non-variable rate (adjusted January 1 & July 1 based on individual beacon score); Regular APR: 10.99%
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
Premier Rewards Credit Card - 14.24%
Details Variable rate (Last day of previous month Prime Rate plus individual beacon score); Regular APR: 14.24%
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%

Mid Minnesota Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loan 11.99%
Details Rates as low as 11.99% APR^
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%

Mid Minnesota Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Construction Loans - - 5.99%
Details Rates as low as 5.99% APR
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
Home Property Equity Loan - - 6.49%
Details Based on loan to value. Rates as low as 6.49% APR
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
Preferred Line of Credit - - 9.99%
Details Rates as low as 9.99% APR
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
18 Months Term Share Certificate - - 3.50% 18 Months
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
KASASA Cash Checking - - 5.00%
Min Balance $0
Details Qualifications Required: 1 ACH Debit or Credit, 12 Debit Card purchases, and receipt of electronic statements; On qualified accounts (dividends calculated daily/paid (compounded) monthly) Rates as high as 5.00% APY On balances up to $10,000 Rates as high as 0.15% APY Over $10,000 balance (blended APY 0.59-5.00%)
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
Kasasa Cash Checking - - 5.00%
Min Balance $10,000
Details Qualifications Required: 1 ACH Debit or Credit, 12 Debit Card purchases, and receipt of electronic statements; APY* on balances up to $10,000; 0.15% APY* on balances over $10,000; 0.01% APY even if qualifications are not met! Refunds on ATM withdrawal fees nationwide, up to $25*; Linked to free Kasasa Saver to build savings automatically; Monthly Qualification Cycle
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
Kasasa Saver Savings - - 2.50%
Min Balance $35,000
Details Balances up to $35,000 in your Kasasa Saver account receive an APY of 2.50% and balances over $35,000 earn a 0.15% interest rate on the portion of balance over $35,000. When linked to the Kasasa Saver account, the dividends earned within the linked Kasasa Cash account do not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual dividend amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%
Regular Shares - - 0.05%
Min Deposit $5
Min Balance $5
Details Regular Share minimum opening deposit/minimum balance = $5
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.31%

Financial Health History

Mid Minnesota Federal Credit Union’s Texas Ratio fell from 5.85% in Q2 2023 to 3.31% in Q1 2026, so its financial health has improved and is now 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; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 5.85% A+ Q2 2023 A Q3 2023 A Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 3.31% A+ Q1 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$834M3.31%5.0A+
December 31, 2025$815M3.49%5.0A+
September 30, 2025$801M3.13%5.0A+
June 30, 2025$779M3.58%5.0A+
March 31, 2025$771M3.20%5.0A+
December 31, 2024$753M4.77%5.0A+
September 30, 2024$755M5.23%5.0A+
June 30, 2024$750M5.25%5.0A+
March 31, 2024$750M4.38%5.0A+
December 31, 2023$725M6.11%5.0A
September 30, 2023$722M6.15%5.0A
June 30, 2023$698M5.85%5.0A+
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 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
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 178
Part-Time Employees 1
Branch Locations 12
ATM Locations 13
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
3.31%
Return on Assets (ROA)
0.2752%
Return on Equity (ROE)
2.9760%
Non-Performing Loans Ratio (NPL)
0.39%
Total Assets
833,936,877
Total Amount of Shares and Deposits
745,686,642
Total Shares and Deposits < 1 Year
733,411,852
Total Shares and Deposits 1 3 Years
12,018,627
Total Shares and Deposits > 3 Years
256,163
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
44,020,579
Total Uninsured Shares and Deposits > $250K (F+J)
44,020,579
Total Insured Shares and Deposits > $250K (item 17 less item K)
701,666,063
Total Interest Expense (Sum of items 6 8)
2,853,913
Share Certificates
7,614
Number of Accounts for Share Drafts
104,079
IRA KEOGH Accounts
1,400
Number of Accounts for Regular Shares
11,955
All other shares
3,164
Money Market Shares
460
Net Income (unless the amount is already included in Undivided Earnings)
2,294,730
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)
59,977,393
Total Liabilities
756,837,064
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Mid Minnesota 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/mid-minnesota-federal-credit-union-rates-review-20194">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Mid Minnesota Federal Credit Union

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

  • 12-Month CD3.10%
  • 18-Month CD3.50%
  • 24-Month CD3.35%
  • Savings0.07%
  • MMA0.05%
Retrieved from our database of financial products. Rates subject to change.