What are the current interest rates at Mid Minnesota Federal Credit Union?

Current rates for Mid Minnesota Federal Credit Union include: 12-Month CD: 3.10%, 18-Month CD: 3.50%, 24-Month CD: 3.35%, Savings: 5.00%, MMA: 0.15%

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Mid Minnesota Federal Credit Union

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Mid Minnesota Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Mid Minnesota Federal Credit Union's top rates as of October 13, 2026 are 4.05% APY on its Term CD - 17 Month Special, 5.00% APY on savings, 0.15% APY on money market accounts, 0.20% APY on checking, personal loans from 11.99% APR, and credit cards from 9.99% APR, according to rates verified by MonitorBankRates. Other Mid Minnesota Federal Credit Union CD rates include Term CD - 13 Month Special at 3.95%, Term CD - 10 Month Special at 3.90%, and Term CD - 7 Month Special at 3.85%. 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 3.64%. Rates last updated and verified on 10/13/2026.

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.

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

3.64%

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

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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 Minnesota Federal Credit Union CD Rates

Product	Rate	APY	Term
Term Share Certificate - 17 Month Special	-	4.05%	17 Month
Details Early withdrawal penalty may apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Term Share Certificate - 13 Month Special	-	3.95%	13 Month
Details Early withdrawal penalty may apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Term Share Certificate - 10 Month Special	-	3.90%	10 Month
Details Early withdrawal penalty may apply Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Term Share Certificate - 7 Month Special	-	3.85%	7 Month
Details Early withdrawal penalty may apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
18 Month Certificate	-	3.50%	18 Months
Details Rates as high as Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Term Share Certificate - 24 month	-	3.50%	24 Months
Details Early withdrawal penalty may apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Term Share Certificate - 36 month	-	3.50%	36 Months
Details Early withdrawal penalty may apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Term Share Certificate - 48 month	-	3.50%	48 Months
Details Early withdrawal penalty may apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
24 Month Bump Certificates	-	3.35%	24 months
Min Deposit $5,000 Details $5,000 minimum at 24 months with one bump per term Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
36 Month Add-On Term Share Certificates	-	3.35%	36 months
Min Deposit $2,500 Details $500 minimum additions Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
36 Month Bump Certificates	-	3.35%	36 months
Min Deposit $5,000 Details $5,000 minimum at 36 months with one bump per term Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Term Share Certificate - 12 month	-	3.10%	12 Months
Details Early withdrawal penalty may apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Term Share Certificate - 6 month	-	3.00%	6 Months
Details Early withdrawal penalty may apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Mid Minnesota Federal Credit Union Savings Rates

Product	Rate	APY
Estate Savings	-	5.00%
Details Rates as high as; Savings Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.40% → 5.00% ▲ 0.60 pts · high 5.00% / low 4.40% Oct 5, 20265.00%▲ from 4.40% Sep 14, 20264.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
High Yield Savings	-	3.40%
Min Balance $200,000 Details Balance: Over $200,000 balance; HYSA not available for business accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
High Yield Savings	-	3.25%
Min Balance $75,000 Details Balance: $75,000-$199,999 balance; HYSA not available for business accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
YES (Youth Education Savings)	-	3.00%
Min Balance $5 Details Balance: $5-$500 balance; blended APY .79-3.00%; No minimum deposit to open; Limit one account per social security number Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market Savings	-	1.65%
Min Balance $250,000 Details Balance: Over $250,000 balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.45% → 1.65% ▲ 0.20 pts · high 1.65% / low 1.45% Sep 17, 20261.65%▲ from 1.45% Sep 14, 20261.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market Savings	-	1.55%
Min Balance $100,000 Details Balance: $100,000 - $249,999 balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.40% → 1.55% ▲ 0.15 pts · high 1.55% / low 1.40% Sep 17, 20261.55%▲ from 1.40% Sep 14, 20261.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market Savings	-	1.45%
Min Balance $50,000 Details Balance: $50,000 - $99,999 balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.30% → 1.45% ▲ 0.15 pts · high 1.45% / low 1.30% Sep 17, 20261.45%▲ from 1.30% Sep 14, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market Savings	-	1.35%
Min Balance $25,000 Details Balance: $25,000-$49,999 balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.25% → 1.35% ▲ 0.10 pts · high 1.35% / low 1.25% Sep 17, 20261.35%▲ from 1.25% Sep 14, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Health Savings Accounts (HSA)	-	0.35%
Min Balance $25,000 Details Balance: Balances over $25,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Health Savings Accounts (HSA)	-	0.30%
Min Balance $10,000 Details Balance: $10,000 - $24,999 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: 3.64%
Health Savings Accounts (HSA)	-	0.25%
Min Balance $5,000 Details Balance: $5,000 - $9,999 balance Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Health Savings Accounts (HSA)	-	0.20%
Min Balance $100 Details Balance: $100-$4,999 balance Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 0.20% → 0.20% ▼ 0.00 pts · high 0.35% / low 0.20% Sep 21, 20260.20%▼ from 0.35% Sep 18, 20260.35%▲ from 0.20% Sep 14, 20260.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Floating IRA Savings (Traditional, Roth & Education)	-	0.15%
Min Balance $50,000 Details Balance: Over $50,000 balance 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: 3.64%
Floating IRA Savings (Traditional, Roth & Education)	-	0.10%
Min Balance $5 Details Balance: $5-$9,999 balance Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Floating IRA Savings (Traditional, Roth & Education)	-	0.10%
Min Balance $10,000 Details Balance: $10,000-$49,999 balance Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
WINcentiveTM Savings	-	0.10%
Details Rates as high as; Savings Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
High Yield Savings	-	0.07%
Details Balance: Below $75,000 balance; $15 fee if minimum balance not maintained; HYSA not available for business accounts Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market Savings	-	0.07%
Details Balance: Below $25,000 balance Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Super Savers	-	0.07%
Min Balance $5 Details Balance: $5-$2,499 balance Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.07% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Super Savers	-	0.07%
Min Balance $2,500 Details Balance: $2,500-$4,999 balance Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Super Savers	-	0.07%
Min Balance $5,000 Details Balance: Over $5,000 balance Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
YES (Youth Education Savings)	-	0.05%
Min Balance $500 Details Balance: Over $500 balance (blended APY .79-3.00%); No minimum deposit to open; Limit one account per social security number 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: 3.64%

Mid Minnesota Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings	-	1.65%
Min Balance $250,000 Details Balance: Over $250,000 balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.45% → 1.65% ▲ 0.20 pts · high 1.65% / low 1.45% Sep 17, 20261.65%▲ from 1.45% Sep 14, 20261.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market Savings	-	1.55%
Min Balance $100,000 Details Balance: $100,000 - $249,999 balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.40% → 1.55% ▲ 0.15 pts · high 1.55% / low 1.40% Sep 17, 20261.55%▲ from 1.40% Sep 14, 20261.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market Savings	-	1.45%
Min Balance $50,000 Details Balance: $50,000 - $99,999 balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.30% → 1.45% ▲ 0.15 pts · high 1.45% / low 1.30% Sep 17, 20261.45%▲ from 1.30% Sep 14, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market Savings	-	1.35%
Min Balance $25,000 Details Balance: $25,000-$49,999 balance Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.25% → 1.35% ▲ 0.10 pts · high 1.35% / low 1.25% Sep 17, 20261.35%▲ from 1.25% Sep 14, 20261.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market Savings	-	0.07%
Details Balance: Below $25,000 balance Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Mid Minnesota Federal Credit Union Checking Rates

Product	Rate	APY
Money Market Checking	-	0.15%
Min Balance $10,000 Details Balance: $10,000-$49,999 balance Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market Checking	-	0.15%
Min Balance $50,000 Details Balance: Over $50,000 balance Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Money Market Checking	-	0.05%
Min Balance $1,500 Details Balance: $1,500 -$9,999 balance Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 0.05% → 0.05% ▼ 0.00 pts · high 0.15% / low 0.05% Sep 21, 20260.05%▼ from 0.15% Sep 18, 20260.15%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Mid Minnesota Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Dividend Checking	-	0.20%
Min Balance $10,000 Details Balance: $10,000-$49,999 balance Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Business Dividend Checking	-	0.20%
Min Balance $50,000 Details Balance: Over $50,000 balance Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Business Dividend Checking	-	0.10%
Min Balance $5,000 Details Balance: $5,000 -$9,999 balance Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 0.10% → 0.10% ▼ 0.00 pts · high 0.20% / low 0.10% Sep 21, 20260.10%▼ from 0.20% Sep 18, 20260.20%▲ from 0.10% Sep 14, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Mid Minnesota Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit (HELOC)	-	-	7.25%
Details As Low As; Variable rate based upon the Prime Rate; maximum HELOC rate is 18.0% APR Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Oct 2, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Mid Minnesota Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Autos & Motorcycles	-	-	4.09%
Details As Low As; Vehicle Loans Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.09% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Off Road Vehicles Loan	-	-	6.34%
Details As Low As; Vehicle Loans Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.34% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

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

Product	Rate	APR	Term	View More
RVs & Boats Loan	-	4.59%
Details As Low As; Vehicle Loans Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.59% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Mid Minnesota Federal Credit Union Credit Card Rates

Product	Rate	APR
Classic Credit Card	-	9.99%
Details As Low As; Credit Cards Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Platinum Rewards Credit Card	-	10.99%
Details As Low As; Non-variable rate (adjusted January 1 & July 1 based on individual beacon score) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Premier Rewards Credit Card	-	14.49%
Details As Low As; Variable rate (Last day of previous month Prime Rate plus individual beacon score) Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 14.24% → 14.49% ▲ 0.25 pts · high 14.49% / low 14.24% Oct 5, 202614.49%▲ from 14.24% Sep 14, 202614.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Mid Minnesota Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	11.99%
Details As Low As; Personal Loans Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

Mid Minnesota Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Construction Loans	-	-	5.99%
Details As Low As; Home Loans Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Home Property Equity Loan	-	-	6.49%
Details As Low As; Based on loan to value Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Preferred Line of Credit	-	-	9.99%
Details As Low As; Personal Loans Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
KASASA Cash Checking	-	-	5.00%
Details Qualifications Required; Balance: On balances up to $10,000; Dividends calculated daily/paid (compounded) monthly Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 0.15% → 5.00% ▲ 4.85 pts · high 5.00% / low 0.01% Oct 13, 20265.00%▲ from 0.01% Sep 29, 20260.01%▼ from 5.00% Sep 17, 20265.00%▲ from 0.15% Sep 14, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Regular Shares	-	-	0.05%
Min Deposit $5 Details Rates as high as; Savings Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%
Term Share Certificate - 18 Months	-	-	3.50%	18 Months
Details Early withdrawal penalty may apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.64%

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 Minnesota Federal Credit Union’s Texas Ratio fell from 6.15% in Q3 2023 to 3.64% in Q2 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 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	$858M	3.64%	5.0	A+
March 31, 2026	$834M	3.31%	5.0	A+
December 31, 2025	$815M	3.49%	5.0	A+
September 30, 2025	$801M	3.13%	5.0	A+
June 30, 2025	$779M	3.58%	5.0	A+
March 31, 2025	$771M	3.20%	5.0	A+
December 31, 2024	$753M	4.77%	5.0	A+
September 30, 2024	$755M	5.23%	5.0	A+
June 30, 2024	$750M	5.25%	5.0	A+
March 31, 2024	$750M	4.38%	5.0	A+
December 31, 2023	$725M	6.11%	5.0	A
September 30, 2023	$722M	6.15%	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 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

Website https://www.mmfcu.org

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 180

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

3.64%

Return on Assets (ROA)

0.5760%

Return on Equity (ROE)

6.1967%

Non-Performing Loans Ratio (NPL)

0.43%

Total Assets

857,989,925

Total Amount of Shares and Deposits

766,868,154

Total Shares and Deposits < 1 Year

748,486,168

Total Shares and Deposits 1 3 Years

18,199,770

Total Shares and Deposits > 3 Years

182,216

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

46,698,731

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

46,698,731

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

720,169,423

Total Interest Expense (Sum of items 6 8)

6,296,356

Share Certificates

7,578

Number of Accounts for Share Drafts

105,655

IRA KEOGH Accounts

1,393

Number of Accounts for Regular Shares

12,148

All other shares

3,190

Money Market Shares

595

Net Income (unless the amount is already included in Undivided Earnings)

4,942,095

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)

58,714,764

Total Liabilities

778,243,044

Source: NCUA — Last Updated 06/30/2026

Q2 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 Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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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%
Savings5.00%
MMA0.15%

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

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Mid Minnesota Federal Credit Union Rates & Review October 2026

Brian McKay

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Mid Minnesota Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Mid Minnesota Federal Credit Union

How many branches does Mid Minnesota Federal Credit Union operate?

Is a member application needed to join Mid Minnesota Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Mid Minnesota Federal Credit Union offer online and mobile banking?

Current Mid Minnesota Federal Credit Union Rates

Compare to Other Credit Unions