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 Members First Credit Union Midland, MI Rates & Review October 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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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 13, 2026
Members First Credit Union Midland, MI's top rates as of October 13, 2026 are 4.25% APY on its 15 Month CDs of Deposit CD, 0.15% APY on savings, 4.00% APY on money market accounts, 6.00% APY on checking, 7.12% on its First Mortgages - 15 Year, personal loans from 10.49% APR, and credit cards from 9.59% APR, according to rates verified by MonitorBankRates. Other Members First Credit Union Midland, MI CD rates include 6 Month CDs of Deposit at 4.00%, 12 Month CDs of Deposit at 3.75%, and 48 Month CDs of Deposit at 3.75%. Other Members First Credit Union Midland, MI mortgage rates include First Mortgages - 20 Year at 7.38%, First Mortgages - 10 Year at 7.38%, and First Mortgages - 30 Year at 7.50%. MonitorBankRates evaluates the financial stability of Members First Credit Union Midland, MI with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.54%. Rates last updated and verified on 10/13/2026. Members First Credit Union Midland, MI 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 Members First Credit Union Midland, MI? Share your experience about Members First Credit Union Midland, MI by leaving a review below, or read customer reviews before you decide to use Members First Credit Union Midland, MI. Members First Credit Union Midland, MI
Members First Credit Union - Wackerly 600 W Wackerly St
https://www.mfcu.net Midland, MI 48640-4702  Customer Reviews
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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. Members First Credit Union Midland, MI CD Rates
Members First Credit Union Midland, MI Savings Rates
Members First Credit Union Midland, MI Money Market Rates
Members First Credit Union Midland, MI Checking Rates
Members First Credit Union Midland, MI Mortgage Rates
Members First Credit Union Midland, MI Auto Loan Rates
Members First Credit Union Midland, MI RV, Boat and Powersport Loan Rates
Members First Credit Union Midland, MI Credit Card Rates
Members First Credit Union Midland, MI Personal Loan Rates
Members First Credit Union Midland, MI Other Rates
Financial Health HistoryMembers First Credit Union Midland, MI’s Texas Ratio rose from 4.00% in Q3 2023 to 4.54% 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; 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Members First Credit Union Midland, MI 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 Members First Credit Union Midland, MI 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 Members First Credit Union Midland, MI's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Members First Credit Union Midland, MI
Website
https://www.mfcu.net
Address
600 W Wackerly St,
Midland, MI 48640-4702
Phone
855-835-6328
Fax
989-835-5202
President
Kevin Brott
CEO
Carrie Iafrate
Full-Time Employees
229
Part-Time Employees
7
Branch Locations
12
ATM Locations
11
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.54%
Return on Assets (ROA)
0.3583%
Return on Equity (ROE)
3.8892%
Non-Performing Loans Ratio (NPL)
0.65%
Total Assets
905,439,582
Total Amount of Shares and Deposits
779,478,784
Total Shares and Deposits < 1 Year
756,352,166
Total Shares and Deposits 1 3 Years
18,591,673
Total Shares and Deposits > 3 Years
4,534,945
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
51,691,415
Total Uninsured Shares and Deposits > $250K (F+J)
51,691,415
Total Insured Shares and Deposits > $250K (item 17 less item K)
727,787,369
Total Interest Expense (Sum of items 6 8)
6,726,283
Share Certificates
8,146
Number of Accounts for Share Drafts
48,674
IRA KEOGH Accounts
1,771
Number of Accounts for Regular Shares
82,852
All other shares
1,034
Money Market Shares
12,827
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)
48,990,585
Total Liabilities
829,329,033
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Members First Credit Union Midland, MIHow many branches does Members First Credit Union Midland, MI operate?Members First Credit Union Midland, MI 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 Members First Credit Union Midland, MI?Yes, to access services at Members First Credit Union Midland, MI, 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, Members First Credit Union Midland, MI 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, Members First Credit Union Midland, MI provides members with tools to manage their accounts and build a solid financial history. Does Members First Credit Union Midland, MI offer online and mobile banking?Most modern institutions like Members First Credit Union Midland, MI 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.mfcu.net. Current Members First Credit Union Midland, MI Rates
Retrieved from our database of financial products. Rates subject to change.
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