Midland Federal S&L Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Midland Federal S&L's Certificates of Deposit 60-Month rates are at 1.26%, Certificates of Deposit 48-Month rates are at 1.01%, Certificates of Deposit 36-Month rates are at 0.75%, Certificates of Deposit 30-Month rates are at 0.70%, Certificates of Deposit 24-Month rates are at 0.65%. Midland Federal S&L's money market rates are at 0.00%. MonitorBankRates evaluates the financial stability of Midland Federal S&L with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.74%. Rates were last updated on 03/04/2026.
Rate Updates and AvailabilityMidland Federal S&L 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 Midland Federal S&L? Share your experience about Midland Federal S&L by leaving a review below, or read customer reviews before you decide to use Midland Federal S&L. Midland Federal S&L Texas RatioMidland Federal S&L's Texas Ratio is at 6.74%, which is considered excellent. The Texas Ratio for Midland Federal S&L is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
Midland Federal S&L has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, Midland Federal S&L is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A
Excellent Health
Score: 97/100
Midland Federal S&L has earned an overall safety grade of A. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/04/2026 
Midland Federal S&L CD Rates
Midland Federal S&L Savings Rates
Midland Federal S&L Money Market Rates
Midland Federal S&L Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Midland Federal S&L is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Midland Federal S&L 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 Midland Federal S&L's official website for the most current offers and terms.
Bank Profile & OverviewMidland Federal S&L
8929 S Harlem AveBridgeview, IL 60455 Cook Established Date: 01/01/1914 FDIC Certificate #: 29980 Date of FDIC Deposit Insurance: 08/09/1989 Bank Holding Company: MIDLAND CAPITAL HOLDINGS CORP How Many Domestic U.S. Offices? 4 How Many Branches are There? 4 Website: https://www.midlandfederal.com/
Is Midland Federal S&L FDIC Insured? Yes
What is Midland Federal S&L's Cert number? 29980
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A (97/100)
Texas Ratio:
6.74%
Return on Assets (ROA):
0.9395%
Return on Equity (ROE):
11.5500%
Non-Performing Loans (NPL):
0.59%
Total Assets:
$116,677,000
Total Deposits:
$105,242,000
Equity Capital:
$10,873,000
Net Income:
$-1,725,000
Headquarters:
Bridgeview
Regulator:
OCC
# of Offices:
4
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsThere are no reviews for Midland Federal S&L yet. Feel free to create one below.
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Frequently Asked Questions About Midland Federal S&LHow do I open an account at Midland Federal S&L?You can typically open an account at Midland Federal S&L by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Midland Federal S&L provides a range of mortgage and home equity products. Is Midland Federal S&L a safe place to deposit money?Yes, Midland Federal S&L is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Midland Federal S&L offer online and mobile banking?Most modern institutions like Midland Federal S&L provide digital access including online balance checks and transfers. Compare to other Banks |
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