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

Current rates for Mid Minnesota Federal Credit Union include: 12-Month CD: 3.05%, 18-Month CD: 3.50%, 24-Month CD: 2.85%, Savings: 0.07%, MMA: 0.05%

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Mid Minnesota Federal Credit Union

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Mid Minnesota Federal Credit Union Rates & Review June 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: June 16, 2026

Mid Minnesota Federal Credit Union's 36 month Fast Forward Term CD rates are at 4.13%, 17 Month Special Term CD rates are at 3.85%, 7 Month Special Term CD rates are at 3.80%, 10 Month Special Term CD rates are at 3.70%, 13 Month Special Term CD rates are at 3.70%. Mid Minnesota Federal Credit Union's savings rates are at 0.07%. Mid Minnesota Federal Credit Union's money market rates are at 0.05%. Mid Minnesota Federal Credit Union's Personal Loan Rates are at 11.84%. 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 3.13%. Rates were last updated on 06/16/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.13%

Excellent Lower than avg

Mid Minnesota Federal Credit Union
Mid Minnesota Federal Credit Union

13283 Isle Dr
Baxter, MN 56425 8554

https://www.mmfcu.org

Mid Minnesota Federal Credit Union CD Rates

Product	Rate	APY	Term
36 month Fast Forward Term Share Certificate	-	4.13%	36 months
Min Deposit $10 Details $10 minimum at 36 months and requires a monthly deposit between $10 & $500. A penalty may be imposed for early withdrawal from a term share account. Fees may reduce account earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
17 Month Special Term Share Certificate	-	3.85%	17 Months
Details A penalty may be imposed for early withdrawal from a term share account. Fees may reduce account earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
7 Month Special Term Share Certificate	-	3.80%	7 Months
Details A penalty may be imposed for early withdrawal from a term share account. Fees may reduce account earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
10 Month Special Term Share Certificate	-	3.70%	10 Months
Details A penalty may be imposed for early withdrawal from a term share account. Fees may reduce account earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
13 Month Special Term Share Certificate	-	3.70%	13 Months
Details A penalty may be imposed for early withdrawal from a term share account. Fees may reduce account earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
18 month Term Share Certificate	-	3.50%	18 Months
Details A penalty may be imposed for early withdrawal from a term share account. Fees may reduce account earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
12 month Term Share Certificate	-	3.05%	12 Months
Details A penalty may be imposed for early withdrawal from a term share account. Fees may reduce account earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
24 month Term Share Certificate	-	3.00%	24 Months
Details A penalty may be imposed for early withdrawal from a term share account. Fees may reduce account earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
6 month Term Share Certificate	-	3.00%	6 Months
Details A penalty may be imposed for early withdrawal from a term share account. Fees may reduce account earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
36 month Term Share Certificate	-	2.90%	36 Months
Details A penalty may be imposed for early withdrawal from a term share account. Fees may reduce account earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
48 month Term Share Certificate	-	2.90%	48 Months
Details A penalty may be imposed for early withdrawal from a term share account. Fees may reduce account earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
24 month Bump Certificates	-	2.85%	24 months
Min Deposit $5,000 Details $5,000 minimum at 24 months with one bump per term. A penalty may be imposed for early withdrawal from a term share account. Fees may reduce account earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
36 month Add-On Term Share Certificates	-	2.75%	36 months
Min Deposit $2,500 Details $2,500 minimum with $500 minimum additions at 36 months. A penalty may be imposed for early withdrawal from a term share account. Fees may reduce account earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
36 month Bump Certificates	-	2.75%	36 months
Min Deposit $5,000 Details $5,000 minimum at 36 months with one bump per term. A penalty may be imposed for early withdrawal from a term share account. Fees may reduce account earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
3 month Term Share Certificate	-	1.35%	3 Months
Details A penalty may be imposed for early withdrawal from a term share account. Fees may reduce account earnings. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

Mid Minnesota Federal Credit Union Savings Rates

Product	Rate	APY
Estate Savings	-	4.06%
Details Dividends are based on the Credit Union's earnings and cannot be guaranteed. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
High Yield Savings Account	-	3.40%
Min Balance $75,000 Details Opening balance of $75,000. If balance falls below $75,000, an APY of 0.07% will be earned. $15 service fee if minimum balance is not maintained and a $10 fee for each withdrawal or transfer beyond six per monthly statement period. Not available for business accounts. Dividends are based on the Credit Union's earnings and cannot be guaranteed. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
YES (Youth Education Savings)	-	3.00%
Min Balance $5 Details Qualifying balance up to $500.00; YES balances up to $500 receive an APY of 3.00%APY and balances over $500 earn 0.05%APY interest rate on the portion of balance over $500. APY= Annual Percentage Yield. APY will range .05 - 3.00%APY. APY is accurate as of 5/1/23. Dividends will be credited on the last calendar day of each month to the YES account. No minimum deposit is required to open a YES account. Limit one account per social security number. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Health Savings Accounts (HSA)	-	0.20%
Min Balance $100 Details Rates as high as 0.20% APY $100-$4,999 balance Rates as high as 0.25% APY $5,000 - $9,999 balance Rates as high as 0.30% APY $10,000 - $24,999 Rates as high as 0.35% APY Balances over $25,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
IRA Savings (Traditional, Roth & Education)	-	0.10%
Min Balance $5 Details Rates as high as 0.10% APY $5-$9,999 balance Rates as high as 0.10% APY $10,000-$49,999 balance Rates as high as 0.15% APY Over $50,000 balance Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
WINcentiveTM Savings	-	0.10%
Details Dividends are based on the Credit Union's earnings and cannot be guaranteed. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
High Yield Savings	-	0.07%
Details Rates as high as 0.07% APY Below $75,000 balance Rates as high as 3.25% APY $75,000-$199,999 balance Rates as high as 3.40% APY Over $200,000 balance Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market Savings	-	0.07%
Details Rates as high as 0.07% APY Below $25,000 balance Rates as high as 1.25% APY $25,000-$49,999 balance Rates as high as 1.30% APY $50,000 - $99,999 balance Rates as high as 1.40% APY $100,000 - $249,999 balance Rates as high as 1.45% APY Over $250,000 balance Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Super Savers	-	0.07%
Min Balance $5 Details Rates as high as 0.07% APY $2,500-$4,999 balance Rates as high as 0.07% APY Over $5,000 balance Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

Mid Minnesota Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Savings	-	0.07%
Details Rates as high as 0.07% APY Below $25,000 balance Rates as high as 1.25% APY $25,000-$49,999 balance Rates as high as 1.30% APY $50,000 - $99,999 balance Rates as high as 1.40% APY $100,000 - $249,999 balance Rates as high as 1.45% APY Over $250,000 balance Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

Mid Minnesota Federal Credit Union Checking Rates

Product	Rate	APY
Non-Profit Business Checking Account	-	1.00%
Min Balance $0 Details Zero maintenance fees. Federally insured by NCUA, Certain restrictions apply. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Business Dividend Checking	-	0.10%
Min Balance $5,000 Details Rates as high as 0.10% APY $5,000 -$9,999 balance Rates as high as 0.20% APY $10,000-$49,999 balance Rates as high as 0.20% APY Over $50,000 balance Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
IOLTA Lawyers Trust Checking	-	0.10%
Min Balance $5,000 Details Rates as high as 0.10% APY $5,000 -$9,999 balance Rates as high as 0.15% APY Over $10,000 balance Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Money Market Checking	-	0.05%
Min Balance $1,500 Details Rates as high as 0.05% APY $1,500 -$9,999 balance Rates as high as 0.15% APY $10,000-$49,999 balance Rates as high as 0.15% APY Over $50,000 balance Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

Mid Minnesota Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit (HELOC)	-	-	7.00%
Details Rates as low as; The HELOC is a variable rate product based upon the Prime Rate. The maximum HELOC rate is 18.0% APR. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

Mid Minnesota Federal Credit Union Credit Card Rates

Product	Rate	APR
Classic Credit Card	-	9.99%
Details Rates as low as; Regular APR: 9.99% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Platinum Rewards Credit Card	-	10.99%
Details Rates as low as; Non-variable rate (adjusted January 1 & July 1 based on individual beacon score) Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%
Premier Rewards Credit Card	-	14.24%
Details Rates as low as; Variable rate (Last day of previous month Prime Rate plus individual beacon score) Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

Mid Minnesota Federal Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loan	-	11.84%
Details Rates as low as Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.13%

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.

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 179

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

3.13%

Return on Assets (ROA)

0.6181%

Return on Equity (ROE)

6.7559%

Non-Performing Loans Ratio (NPL)

0.37%

Total Assets

800,733,198

Total Amount of Shares and Deposits

703,789,685

Total Shares and Deposits < 1 Year

689,963,275

Total Shares and Deposits 1 3 Years

13,372,474

Total Shares and Deposits > 3 Years

453,936

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

42,609,668

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

42,609,668

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

661,180,017

Total Interest Expense (Sum of items 6 8)

8,130,010

Share Certificates

7,441

Number of Accounts for Share Drafts

102,632

IRA KEOGH Accounts

1,398

Number of Accounts for Regular Shares

11,602

All other shares

3,066

Money Market Shares

337

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

4,949,182

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

24,512,688

Total Liabilities

727,679,383

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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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.