What are the current interest rates at Midwest Community Federal Credit Union?

Current rates for Midwest Community Federal Credit Union include: 12-Month CD: 2.89%, 18-Month CD: 2.95%, 24-Month CD: 2.99%, 60-Month CD: 1.97%, Savings: 2.50%, MMA: 1.16%

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Midwest Community Federal Credit Union

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Midwest Community Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Midwest Community Federal Credit Union 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: October 12, 2026

Midwest Community Federal Credit Union's top rates as of October 12, 2026 are 4.00% APY on its 13 Month CD Rate Specials, 2.50% APY on savings, 1.16% APY on money market accounts, 0.05% APY on checking, personal loans from 11.09% APR, and credit cards from 8.99% APR, according to rates verified by MonitorBankRates. Other Midwest Community Federal Credit Union CD rates include 7 Month CD Rate Specials at 4.00%, Grow & Go CD - 12 month at 4.00%, and 24 Month CDs and IRAs at 3.15%. MonitorBankRates evaluates the financial stability of Midwest Community Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.44%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.44%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Midwest Community Federal Credit Union
Main Office

8770 N State Route 66
Defiance, OH 43512-8254

https://midwestcommunity.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 Community Federal Credit Union CD Rates

Product	Rate	APY	Term
13 Month Share Certificate Rate Specials	3.92%	4.00%	13 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
7 Month Share Certificate Rate Specials	3.92%	4.00%	7 Months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Grow & Go Certificate - 12 month	3.92%	4.00%	12 Months
Details Dividend rate shown as 3.92%; APY shown as 4.00% Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
24 Month Share Certificates and IRAs	3.10%	3.15%	24 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
18 Month Share Certificates and IRAs	3.05%	3.10%	18 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
24 Month Share Certificates and IRAs	3.05%	3.10%	24 Months
Min Balance $50,000 Details Balance: $50,000 - $89,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
12 Month Share Certificates and IRAs	3.00%	3.05%	12 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
18 Month Share Certificates and IRAs	3.00%	3.05%	18 Months
Min Balance $50,000 Details Balance: $50,000 - $89,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
24 Month Share Certificates and IRAs	3.00%	3.05%	24 Months
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
12 Month Share Certificates and IRAs	2.95%	2.99%	12 Months
Min Balance $50,000 Details Balance: $50,000 - $89,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.99% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
18 Month Share Certificates and IRAs	2.95%	2.99%	18 Months
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.99% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
24 Month Share Certificates and IRAs	2.95%	2.99%	24 Months
Min Balance $250 Details Balance: $250 - $9,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.99% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
18 Month Share Certificates and IRAs	2.90%	2.95%	18 Months
Min Balance $250 Details Balance: $250 - $9,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.95% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
12 Month Share Certificates and IRAs	2.90%	2.94%	12 Months
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.94% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
6 Month Share Certificates and IRAs	2.90%	2.94%	6 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.94% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
12 Month Share Certificates and IRAs	2.85%	2.89%	12 Months
Min Balance $250 Details Balance: $250 - $9,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.89% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
6 Month Share Certificates and IRAs	2.85%	2.89%	6 Months
Min Balance $50,000 Details Balance: $50,000 - $89,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.89% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
3 Month Share Certificates and IRAs	2.80%	2.84%	3 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.84% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
6 Month Share Certificates and IRAs	2.80%	2.84%	6 Months
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.84% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
3 Month Share Certificates and IRAs	2.75%	2.79%	3 Months
Min Balance $50,000 Details Balance: $50,000 - $89,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.79% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
6 Month Share Certificates and IRAs	2.75%	2.79%	6 Months
Min Balance $250 Details Balance: $250 - $9,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.79% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
3 Month Share Certificates and IRAs	2.70%	2.74%	3 Months
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.74% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
36 Month Share Certificates and IRAs	2.70%	2.74%	36 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.74% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
3 Month Share Certificates and IRAs	2.65%	2.69%	3 Months
Min Balance $250 Details Balance: $250 - $9,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.69% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
36 Month Share Certificates and IRAs	2.65%	2.69%	36 Months
Min Balance $50,000 Details Balance: $50,000 - $89,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.69% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
36 Month Share Certificates and IRAs	2.60%	2.63%	36 Months
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.63% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
36 Month Share Certificates and IRAs	2.55%	2.58%	36 Months
Min Balance $250 Details Balance: $250 - $9,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.58% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
48 Month Share Certificates and IRAs	2.10%	2.12%	48 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.12% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
60 Month Share Certificates and IRAs	2.10%	2.12%	60 Months
Min Balance $90,000 Details Balance: $90,000 + Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.12% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
48 Month Share Certificates and IRAs	2.05%	2.07%	48 Months
Min Balance $50,000 Details Balance: $50,000 - $89,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.07% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
60 Month Share Certificates and IRAs	2.05%	2.07%	60 Months
Min Balance $50,000 Details Balance: $50,000 - $89,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.07% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
48 Month Share Certificates and IRAs	2.00%	2.02%	48 Months
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.02% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
60 Month Share Certificates and IRAs	2.00%	2.02%	60 Months
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.02% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
48 Month Share Certificates and IRAs	1.95%	1.97%	48 Months
Min Balance $250 Details Balance: $250 - $9,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.97% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
60 Month Share Certificates and IRAs	1.95%	1.97%	60 Months
Min Balance $250 Details Balance: $250 - $9,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.97% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%

Midwest Community Federal Credit Union Savings Rates

Product	Rate	APY
Grow & Go Savings Account	2.50%	2.50%
Min Balance $0 Details Balance: $0.01-$1,000.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Christmas Club	0.05%	0.05%
Details Payable on Oct. 20th; Payroll or direct deposit available; $10 fee (waived Oct. 20th thru Dec. 31st) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Grow & Go Savings Account	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000.01+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Health Savings Accounts	0.05%	0.05%
Details No minimum balance Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Miscellaneous Savings Accounts	0.05%	0.05%
Details No minimum balance; APY* = Annual Percentage Yield Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Share (Savings) Account	0.05%	0.05%
Min Deposit $25 Min Balance $250 Details $25.00 minimum to open; $250 minimum to earn dividends Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%

Midwest Community Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.15%	1.16%
Min Balance $100,000 Details Balance: $100,000 + Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.16% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Money Market Account	1.05%	1.06%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.06% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Money Market Account	0.95%	0.95%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Money Market Account	0.85%	0.85%
Min Balance $2,500 Details Balance: $2,500 - $24,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%

Midwest Community Federal Credit Union Checking Rates

Product	Rate	APY
Elite Rewards Checking Account	0.05%	0.05%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Elite Rewards Checking Account	0.05%	0.05%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Elite Rewards Checking Account	0.03%	0.03%
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Elite Rewards Checking Account	0.03%	0.03%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%

Midwest Community Federal Credit Union Business Checking Rates

Product	Rate	APY
Advantage Business Checking Account	0.05%	0.05%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Advantage Business Checking Account	0.05%	0.05%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Advantage Business Checking Account	0.03%	0.03%
Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Advantage Business Checking Account	0.03%	0.03%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%

Midwest Community Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	6.00%	-	6.25%	5 Years
Details Non Variable; Up to 80% LTV; 5 Year Draw Period; ALL MORTGAGE APR's ARE BASED ON A $50,000 MORTGAGE AND $300 CLOSING FEE Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Home Equity Line of Credit	6.75%	-	6.885%	10 Years
Details Non Variable; Up to 80% LTV; 5 Year Draw Period; ALL MORTGAGE APR's ARE BASED ON A $50,000 MORTGAGE AND $300 CLOSING FEE Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 6.89% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Home Equity Line of Credit	7.75%	-	7.849%	15 Years
Details Non Variable; Up to 80% LTV; 5 Year Draw Period; ALL MORTGAGE APR's ARE BASED ON A $50,000 MORTGAGE AND $300 CLOSING FEE Last Updated 10/12/2026 Rate History No change since Sep 17, 2026 · 7.85% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%

Midwest Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New Vehicle Loans	4.99%	-	4.99%	60 Months
Details As Low As; 60 Months fixed; More Info Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%

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

Product	Rate	APR	Term
New Boat & RV Loan - 5 Years	6.00%	6.00%	5 Years
Details Up to $20,000; 100% financing of J.D. Power value; APR based on $20,000 loan and $250 fee; Annual Percentage Rate on approved credit Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Used Snowmobile, 4 Wheeler, Jet Ski, Lawn Equipment, etc. Loan	6.00%	6.00%	36 Months
Details Term: 36 Months, 2018 + Older; 100% Financing of J.D. Power Value; APR based on $10,000 Loan and $250 fee Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Used Boat & RV Loan	7.00%	7.00%	5 Years
Details Up to $20,000; 100% financing of J.D. Power value; APR based on $20,000 loan and $250 fee Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
New Boat & RV Loan - 15 Years	10.00%	10.00%	15 Years
Details Up to $20,000; 100% financing of J.D. Power value; APR based on $20,000 loan and $250 fee; Annual Percentage Rate on approved credit Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
Used Boat & RV Loan	11.00%	11.00%	15 Years
Details Up to $20,000; 100% financing of J.D. Power value; APR based on $20,000 loan and $250 fee Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 11.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%

Midwest Community Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum Credit Card	-	8.99%
Details Introductory rate 3.99% for six months; regular APR for purchases and cash advances 8.99%; Annual Percentage Rate on approved credit Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
VISA Business Credit Card	-	9.99%
Details Purchases and Cash Advances; Annual Percentage Rate on approved credit. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
VISA Platinum Rewards Credit Card	-	10.99%
Details Non Variable Rate for Purchases, Cash Advances, Balance Transfers; Annual Percentage Rate on approved credit; Enrollment Bonus: 10,000 points for the first $1,000 spent within first 90 days Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%
VISA Classic Credit Card	-	14.75%
Details Purchases and Cash Advances; Annual Percentage Rate on approved credit Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 14.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%

Midwest Community Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	11.088%	Up To 5 Years
Details APR based on $10,000 loan and $250 fee; Annual Percentage Rate on approved credit Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 11.09% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.44%

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 Community Federal Credit Union’s Texas Ratio rose from 2.25% in Q3 2023 to 8.44% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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.

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	$267M	8.44%	5.0	A
March 31, 2026	$259M	4.76%	5.0	A+
December 31, 2025	$253M	4.05%	5.0	A+
September 30, 2025	$248M	6.59%	5.0	A
June 30, 2025	$250M	5.15%	5.0	A+
March 31, 2025	$252M	3.30%	5.0	A+
December 31, 2024	$244M	3.19%	5.0	A+
September 30, 2024	$242M	3.23%	5.0	A+
June 30, 2024	$237M	2.47%	5.0	A+
March 31, 2024	$238M	1.51%	5.0	A+
December 31, 2023	$234M	1.73%	5.0	A+
September 30, 2023	$234M	2.25%	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 Community 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 Community 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 Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Midwest Community Federal Credit Union

Website https://midwestcommunity.org

Address 8770 N State Route 66, Defiance, OH 43512-8254

Phone 419-783-6500

Fax 419-783-6550

President Robert Florence

CEO Josh Koenig

Full-Time Employees 62

Part-Time Employees 0

Branch Locations 3

ATM Locations 3

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.44%

Return on Assets (ROA)

0.5247%

Return on Equity (ROE)

6.4238%

Non-Performing Loans Ratio (NPL)

1.05%

Total Assets

267,215,608

Total Amount of Shares and Deposits

246,528,099

Total Shares and Deposits < 1 Year

241,656,347

Total Shares and Deposits 1 3 Years

4,074,098

Total Shares and Deposits > 3 Years

797,654

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

8,812,634

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

8,812,634

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

237,715,465

Total Interest Expense (Sum of items 6 8)

1,385,086

Share Certificates

2,099

Number of Accounts for Share Drafts

10,350

IRA KEOGH Accounts

288

Number of Accounts for Regular Shares

16,354

All other shares

3,151

Money Market Shares

1,175

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)

11,141,395

Total Liabilities

247,170,378

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Midwest Community Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Midwest Community Federal Credit Union

How many branches does Midwest Community Federal Credit Union operate?

Midwest Community 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 Community Federal Credit Union?

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

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

Most modern institutions like Midwest Community 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://midwestcommunity.org.

Current Midwest Community Federal Credit Union Rates

12-Month CD2.89%
18-Month CD2.95%
24-Month CD2.99%
60-Month CD1.97%
Savings2.50%
MMA1.16%

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

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Midwest Community Federal Credit Union Rates & Review October 2026

Brian McKay

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Midwest Community Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Midwest Community Federal Credit Union

How many branches does Midwest Community Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Current Midwest Community Federal Credit Union Rates

Compare to Other Credit Unions