What are the current interest rates at Mid American Credit Union?

Current rates for Mid American Credit Union include: 12-Month CD: 0.40%, 18-Month CD: 0.45%, 24-Month CD: 0.50%, 60-Month CD: 0.60%, Savings: 0.50%, MMA: 3.00%

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Mid American Credit Union

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Mid American Credit Union Rates & Review October 2026

Q: Is a member application needed to join Mid American Credit Union?

Yes, to access services at Mid American 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mid American 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 13, 2026

Mid American Credit Union's top rates as of October 13, 2026 are 4.50% APY on its 37 Month Special Rate CD, 0.50% APY on savings, 3.00% APY on money market accounts, 0.50% APY on checking, personal loans from 10.90% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Mid American Credit Union CD rates include Specials 37 Month CD at 4.50%, 23 Month Special Rate CD at 4.30%, and Specials 23 Month CD at 4.30%. MonitorBankRates evaluates the financial stability of Mid American Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.51%. Rates last updated and verified on 10/13/2026.

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

Verified Healthy Q2 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

4.51%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Mid American Credit Union
Main Office

8404 W Kellogg Dr
Wichita, KS 67209-1845

https://www.midamerican.coop/

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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.

Mid American Credit Union CD Rates

Product	Rate	APY	Term
37 Month Special Rate Certificate	-	4.50%	37 months
Min Deposit $1,000 Details Maximum deposit $1,000,000; Money Requirement: Members can use new or current MACU funds; Renews as a regular 36-month certificate; Not offered on CESA certificates or Youth certificates Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Specials 37 Month Certificate	-	4.50%	37 Month
Min Deposit $1,000 Details Minimum deposit $1,000; Maximum deposit $1,000,000; Renews to a regular certificate with a 36-month term; Not offered on CESA certificates or Youth certificates; Rates for Certificate Specials effective October 5, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
23 Month Special Rate Certificate	-	4.30%	23 months
Min Deposit $1,000 Details Minimum deposit $1,000 or $100 on Youth Account; Maximum deposit $1,000,000; Money Requirement: Members can use new or current MACU funds; Renews as a regular 24-month certificate; Not offered on CESA certificates or Youth certificates Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Specials 23 Month Certificate	-	4.30%	23 Month
Min Deposit $1,000 Details Minimum deposit $1,000 or $100 on Youth Account; Maximum deposit $1,000,000; Renews as a regular 24-month certificate; Not offered on CESA certificates or Youth certificates; Rates for Certificate Specials effective October 5, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
14 Month Special Rate Certificate	-	4.20%	14 months
Min Deposit $1,000 Details Minimum deposit $1,000 or $100 on Youth Account; Maximum deposit $1,000,000; Money Requirement: Members can use new or current MACU funds; Renews as a regular 12-month certificate; Not offered on CESA certificates Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Specials 14 Month Certificate	-	4.20%	14 Month
Min Deposit $1,000 Details Minimum deposit $1,000 or $100 on Youth Accounts; Maximum deposit $1,000,000; Renews to a regular certificate with a 12-month term; Not offered on CESA certificates; Rates for Certificate Specials effective October 5, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
7 Month Special Rate Certificate	-	4.00%	7 months
Min Deposit $1,000 Details Minimum deposit $1,000 or $100 on Youth Account; Maximum deposit $1,000,000; Money Requirement: Members can use new or current MACU funds; Renews as a regular 12-month certificate; Not offered on CESA certificates Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Specials 7 Month Certificate	-	4.00%	7 Month
Min Deposit $1,000 Details Minimum deposit $1,000 or $100 on Youth Accounts; Maximum deposit $1,000,000; Renews to a regular certificate with a 12-month term; Not offered on CESA certificates; Rates for Certificate Specials effective October 5, 2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
3 Year Certificate	-	0.60%	3 Year
Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
4 Year Certificate	-	0.60%	4 year
Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
5 Year Certificate	-	0.60%	5 Year
Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
2 Year Certificate	-	0.50%	2 Year
Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
18 Month Certificate	-	0.45%	18 Month
Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
1 Year Certificate	-	0.40%	1 Year
Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
12 Month Youth Certificate	-	0.40%	12 Month
Min Deposit $100 Details Youth certificate; $100 Minimum Opening Balance; $50 Minimum Deposit; Additions allowed to Youth Certificate; primary member must be under age 25 and have a Youth Share Account Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Pay Day Certificate - 12 Month	-	0.40%	12 Month
Min Deposit $100 Details Requires a $10.00 minimum deposit transferred into the certificate at least monthly; Most savings or checking accounts are available for transfer; Transfers may occur weekly, bi-weekly, semi-monthly or monthly and must come from a non-tax favored savings or checking account; Rates for Certificate Specials effective October 5, 2026 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
6 Month Certificate	-	0.30%	6 Month
Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

Mid American Credit Union Savings Rates

Product	Rate	APY
Preferred Youth Savings Account	-	0.50%
Details No $100 minimum balance required for dividends on this account Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Payroll Plus Savings Account	-	0.30%
Min Balance $500 Details Balance: $500 or more Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Christmas Savings Account	-	0.15%
Min Balance $100 Details $100 minimum balance is required for dividends on all savings accounts except Preferred Youth Savings Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Payroll Plus Savings Account	-	0.15%
Min Balance $0 Details Balance: $0.01 to $499.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Vacation Savings Account	-	0.15%
Min Balance $100 Details $100 minimum balance is required for dividends on all savings accounts except Preferred Youth Savings Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Basic Membership Savings Account	-	0.03%
Min Balance $100 Details $100 minimum balance is required for dividends on all savings accounts except Preferred Youth Savings Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

Mid American Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Basic Savings	-	0.03%
Min Balance $100 Details Paid on balance over $100; Dividends calculated daily, compounded and paid quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

Mid American Credit Union Money Market Rates

Product	Rate	APY
Premier Money Market	-	3.00%
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000 and Up; Available to checking account members or to members adding $25,000 in new money Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Premiere Money Market	-	3.00%
Min Deposit $1,000 Min Balance $200,000 Details Minimum: $1000 (members with a checking account) or $25,000 in new money; Balance: $200,000 and up; Available to members with a checking account or who deposit a minimum of $25,000 in new money; Dividends calculated and paid monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Premier Money Market	-	2.00%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $199,999; Available to checking account members or to members adding $25,000 in new money Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Premiere Money Market	-	2.00%
Min Deposit $1,000 Min Balance $50,000 Details Minimum: $1000 (members with a checking account) or $25,000 in new money; Balance: $50,000 - $199,999; Available to members with a checking account or who deposit a minimum of $25,000 in new money; Dividends calculated and paid monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Regular Money Market	-	0.30%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000 and up; Dividends paid monthly Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Regular Money Market	-	0.25%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 - $999,999; Dividends paid monthly Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Premier Money Market	-	0.20%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 - $49,999; Available to checking account members or to members adding $25,000 in new money Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Premiere Money Market	-	0.20%
Min Deposit $1,000 Min Balance $0 Details Minimum: $1000 (members with a checking account) or $25,000 in new money; Balance: $0 - $49,999; Available to members with a checking account or who deposit a minimum of $25,000 in new money; Dividends calculated and paid monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Regular Money Market	-	0.20%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $499,999; Dividends paid monthly Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Regular Money Market	-	0.15%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999; Dividends paid monthly Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Regular Money Market	-	0.10%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $49,999; Dividends paid monthly Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Regular Money Market	-	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 - $9,999; Dividends paid monthly Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

Mid American Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	-	0.30%
Min Balance $0 Details Balance: $1,000,000 and up; No minimum balance required for APY on Business Money Market; Dividends calculated daily and paid monthly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 0.30% ▲ 0.25 pts · high 0.30% / low 0.05% Oct 13, 20260.30%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Business Money Market	-	0.25%
Min Balance $0 Details Balance: $500,000 - $999,999; No minimum balance required for APY on Business Money Market; Dividends calculated daily and paid monthly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 0.25% ▲ 0.20 pts · high 0.25% / low 0.05% Oct 13, 20260.25%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Business Money Market	-	0.20%
Min Balance $0 Details Balance: $100,000 - $499,999; No minimum balance required for APY on Business Money Market; Dividends calculated daily and paid monthly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 0.20% ▲ 0.15 pts · high 0.20% / low 0.05% Oct 13, 20260.20%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Business Money Market	-	0.15%
Min Balance $0 Details Balance: $50,000 - $99,999; No minimum balance required for APY on Business Money Market; Dividends calculated daily and paid monthly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 0.15% ▲ 0.10 pts · high 0.15% / low 0.05% Oct 13, 20260.15%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Business Money Market	-	0.10%
Min Balance $0 Details Balance: $10,000 - $49,999; No minimum balance required for APY on Business Money Market; Dividends calculated daily and paid monthly Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 0.10% ▲ 0.05 pts · high 0.10% / low 0.05% Oct 13, 20260.10%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Business Money Market	-	0.05%
Min Balance $0 Details Balance: $0 - $9,999; No minimum balance required for APY on Business Money Market; Dividends calculated daily and paid monthly Last Updated 10/13/2026 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: 4.51%

Mid American Credit Union Checking Rates

Product	Rate	APY
e-Checking	-	0.50%
Min Balance $0 Details Balance: $0 to $1,000; paid monthly; APY is variable and may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
e-Checking	-	0.20%
Min Balance $1,000 Details Balance: above $1,000; paid monthly; APY is variable and may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
FirstStep Youth Checking	-	0.15%
Details APY is variable and may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Freedom Youth Checking	-	0.15%
Details APY is variable and may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Preferred Youth Checking Account	-	0.15%
Details APY is variable and may change after account is opened Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Checking Plus Account	-	0.05%
Min Balance $500 Details $500 minimum balance required for dividends; Fees could reduce earnings; APY is variable and may change after account is opened Last Updated 10/13/2026 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: 4.51%

Mid American Credit Union Business Checking Rates

Product	Rate	APY
Business e-Checking	-	0.50%
Min Balance $0 Details Balance: $0 - $1,000; Paid monthly; Dividends calculated daily Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Business e-Checking	-	0.20%
Min Balance $1,000 Details Balance: above $1,000; Paid monthly; Dividends calculated daily Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

Mid American Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity/Second Mortgage	-	-	5.99%	5 Years
Details As Low As; APR*=Annual Percentage Rate; Mortgage rates are subject to change without notice Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Home Equity/Second Mortgage	-	-	7.49%	7 Years
Details As Low As; APR*=Annual Percentage Rate; Mortgage rates are subject to change without notice Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Home Equity/Second Mortgage	-	-	7.99%	10 Years
Details As Low As; APR*=Annual Percentage Rate; Mortgage rates are subject to change without notice Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Home Equity/Second Mortgage	-	-	9.00%	15 Years
Details As Low As; APR*=Annual Percentage Rate; Mortgage rates are subject to change without notice Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

Mid American Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New/Used Auto Loans	-	-	4.99%	Up to 63 Months
Details As Low As; Model Year: New to 2022; APR = Annual Percentage Rate; auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
New/Used Auto Loans	-	-	4.99%	Up to 48 Months
Details As Low As; Model Year: 2016 and Older; APR = Annual Percentage Rate; auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
New/Used Auto Loans	-	-	5.24%	64 to 75 Months
Details As Low As; Model Year: New to 2022; APR = Annual Percentage Rate; auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
New/Used Auto Loans	-	-	6.24%	84 months
Details As Low As; Model Year: New to 2022; Minimum financed amount of $35,000.00, 50,000 miles or less; APR = Annual Percentage Rate; auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

Mid American Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle & ATV/UTV Loans	-	5.99%	Up to 63 Months
Details As Low As; Model Year: New to 2022 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Motorcycle & ATV/UTV Loans	-	6.24%	Up to 63 Months
Details As Low As; Model Year: 2021 to 2017 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Boat & RV Loans	-	7.45%	Up to 120 Months
Details As Low As; Model Year: New to 2020; Up to 120 months for loan amounts over $25,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 7.45% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

Mid American Credit Union Credit Card Rates

Product	Rate	APR
Preferred Youth Rewards VISA	-	9.90%
Details Fixed APR; Youth product Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Select Rewards VISA	-	9.90%
Details Fixed APR Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Everyday Rewards VISA	-	14.90%
Details Fixed APR Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 14.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

Mid American Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loans - Unsecured	10.90%	Up to 60 Months
Details As Low As; Actual rate based on credit history Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

Mid American Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Advantage Home Loan	7.50%	-	7.641%
Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 7.26% → 7.64% ▲ 0.38 pts · high 7.90% / low 7.26% Oct 13, 20267.64%▼ from 7.77% Oct 2, 20267.77%▼ from 7.90% Oct 1, 20267.90%▲ from 7.39% Sep 18, 20267.39%▲ from 7.26% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

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

Mid American Credit Union’s Texas Ratio rose from 3.45% in Q3 2023 to 4.51% 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	$532M	4.51%	5.0	A+
March 31, 2026	$521M	4.71%	5.0	A+
December 31, 2025	$511M	4.89%	5.0	A+
September 30, 2025	$501M	4.68%	5.0	A+
June 30, 2025	$495M	4.23%	5.0	A+
March 31, 2025	$463M	4.24%	5.0	A+
December 31, 2024	$455M	4.74%	5.0	A+
September 30, 2024	$452M	4.61%	5.0	A+
June 30, 2024	$442M	3.57%	5.0	A+
March 31, 2024	$438M	3.18%	5.0	A+
December 31, 2023	$423M	3.95%	5.0	A+
September 30, 2023	$421M	3.45%	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 Mid American 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 American 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 American Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mid American Credit Union

Website https://www.midamerican.coop/

Address 8404 W Kellogg Dr, Wichita, KS 67209-1845

Phone 316-722-3921

Fax 316-722-0920

President REBECCA BOUSKA

CEO BRADLEY HERZET

Full-Time Employees 115

Part-Time Employees 1

Branch Locations 9

ATM Locations 6

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

4.51%

Return on Assets (ROA)

0.3319%

Return on Equity (ROE)

3.7122%

Non-Performing Loans Ratio (NPL)

0.47%

Total Assets

531,894,594

Total Amount of Shares and Deposits

441,828,086

Total Shares and Deposits < 1 Year

305,754,633

Total Shares and Deposits 1 3 Years

108,718,688

Total Shares and Deposits > 3 Years

27,354,763

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

12,212,710

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

12,212,710

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

429,615,376

Total Interest Expense (Sum of items 6 8)

5,671,084

Share Certificates

2,549

Number of Accounts for Share Drafts

13,359

IRA KEOGH Accounts

2,868

Number of Accounts for Regular Shares

49,384

All other shares

Non Member Deposits

Money Market Shares

643

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)

9,886,535

Total Liabilities

484,337,365

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Mid American Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Mid American Credit Union

How many branches does Mid American Credit Union operate?

Mid American 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 American Credit Union?

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

Does Mid American Credit Union offer online and mobile banking?

Most modern institutions like Mid American 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.midamerican.coop/.

Current Mid American Credit Union Rates

12-Month CD0.40%
18-Month CD0.45%
24-Month CD0.50%
60-Month CD0.60%
Savings0.50%
MMA3.00%

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

Compare to Other Credit Unions

Mid American Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Mid American Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Mid American Credit Union

How many branches does Mid American Credit Union operate?

Is a member application needed to join Mid American Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Mid American Credit Union offer online and mobile banking?

Current Mid American Credit Union Rates

Compare to Other Credit Unions