What are the current interest rates at Midwest America Federal Credit Union?

Current rates for Midwest America Federal Credit Union include: 12-Month CD: 2.25%, 18-Month CD: 2.00%, 24-Month CD: 1.75%, 60-Month CD: 1.75%, Savings: 3.00%, MMA: 3.65%

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Midwest America Federal Credit Union

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Midwest America Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Midwest America 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 10, 2026

Midwest America Federal Credit Union's top rates as of October 10, 2026 are 4.50% APY on its 13 Month CD, 3.00% APY on savings, 3.65% APY on money market accounts, 5.00% APY on checking, 5.62% on its 5/5 Adjustable-Rate Mortgage, and personal loans from 11.90% APR, according to rates verified by MonitorBankRates. Other Midwest America Federal Credit Union CD rates include 14 Month Traditional/Roth IRA CD at 3.60%, 12 Month Traditional Branch Into Savings Youth CD at 3.25%, and 12 Month Traditional Share/IRA CD at 2.25%. MonitorBankRates evaluates the financial stability of Midwest America Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.56%. Rates last updated and verified on 10/10/2026.

Midwest America 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 Midwest America Federal Credit Union? Share your experience about Midwest America Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Midwest America 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

4.56%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Midwest America Federal Credit Union
Medical Park Drive

1104 Medical Park Dr
Fort Wayne, IN 46825-5826

https://www.mwafcu.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.

Midwest America Federal Credit Union CD Rates

Product	Rate	APY	Term
13 Month Share Certificate	4.41%	4.50%	13 month
Min Balance $500 Details Dividend Distribution: Monthly Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10% Sep 27, 20264.50%▲ from 4.10% Sep 18, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
14 Month Traditional/Roth IRA Certificate	3.54%	3.60%	14 month
Min Balance $500 Details Dividend Distribution: Monthly Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
12 Month Traditional Branch Into Savings Youth Certificate	3.20%	3.25%	12 month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $1,000; Traditional/Roth IRA Certificate Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
12 Month Traditional Share/IRA Certificate	2.23%	2.25%	12 month
Min Deposit $500 Min Balance $500 Details Traditional/Roth IRA Certificate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
182 Day Traditional Share/IRA Certificate	2.23%	2.25%	182 days
Min Deposit $500 Min Balance $500 Details Traditional/Roth IRA Certificate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
18 Month Traditional Share/IRA Certificate	1.99%	2.00%	18 month
Min Deposit $500 Min Balance $500 Details Traditional/Roth IRA Certificate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
24 Month Traditional Share/IRA Certificate	1.74%	1.75%	24 month
Min Deposit $500 Min Balance $500 Details Traditional/Roth IRA Certificate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
30 Month Traditional Share/IRA Certificate	1.74%	1.75%	30 month
Min Deposit $500 Min Balance $500 Details Traditional/Roth IRA Certificate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
36 Month Traditional Share/IRA Certificate	1.74%	1.75%	36 month
Min Deposit $500 Min Balance $500 Details Traditional/Roth IRA Certificate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
48 Month Traditional Share/IRA Certificate	1.74%	1.75%	48 month
Min Deposit $500 Min Balance $500 Details Traditional/Roth IRA Certificate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
60 Month Traditional Share/IRA Certificate	1.74%	1.75%	60 month
Min Deposit $500 Min Balance $500 Details Traditional/Roth IRA Certificate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
13 Week Traditional Share/IRA Certificate	0.499%	0.50%	13 week
Min Deposit $500 Min Balance $500 Details Traditional/Roth IRA Certificate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
4 Week Traditional Share/IRA Certificate	0.03%	0.03%	4 week
Min Deposit $500 Min Balance $500 Details Traditional/Roth IRA Certificate Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Savings Rates

Product	Rate	APY
Youth Savings	2.96%	3.00%
Min Deposit $1 Min Balance $0 Details Balance: $0 to $500 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Health Savings Account	0.51%	0.51%
Min Deposit $25 Min Balance $10,000 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Health Savings Account	0.30%	0.30%
Min Deposit $25 Min Balance $2,500 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Health Savings Account	0.05%	0.05%
Min Deposit $25 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
You Name It Savings	0.05%	0.05%
Min Deposit $1 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Youth Savings	0.05%	0.05%
Min Deposit $1 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Share Savings	0.05%	0.05%
Min Deposit $5 Min Balance $200 Details Balance: $0.00 - $200; Dividend Distribution: Quarterly Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Money Market Rates

Product	Rate	APY
Century Money Market	3.06%	3.10%
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 2.85% → 3.10% ▲ 0.25 pts · high 3.10% / low 2.85% Oct 10, 20263.10%▲ from 2.85% Sep 22, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Century Money Market (when req not met)	0.05%	0.05%
Min Deposit $100,000 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Gold Money Market	3.59%	3.65%
Min Deposit $0 Min Balance $250,000 Details Balance: $250,000; Dividend Distribution: Monthly Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Gold Money Market	2.47%	2.50%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000; Dividend Distribution: Monthly Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Gold Money Market	1.49%	1.50%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000; Dividend Distribution: Monthly Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Gold Money Market	1.00%	1.00%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000; Dividend Distribution: Monthly Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Gold Money Market	0.50%	0.50%
Min Deposit $0 Min Balance $0 Details Balance: $0.00; Dividend Distribution: Monthly Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Checking Rates

Product	Rate	APY
Personal Reward Checking	-	5.00%
Details dividends Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Reward Checking	4.89%	5.00%
Min Deposit $0 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 to $10,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Reward Checking	0.20%	0.20%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.01+ Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Reward Checking (when req not met)	0.01%	0.01%
Min Deposit $0 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	0.38%	0.38%
Min Deposit $0 Min Balance $75,000 Details Balance: $75,000.01 +; Dividend Distribution: Monthly Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.38% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Association Checking	0.29%	0.29%
Min Deposit $0 Min Balance $0 Details Dividend Distribution: Monthly Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.29% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Checking	0.29%	0.29%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000.01 to $75,000; Dividend Distribution: Monthly Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.29% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Checking	0.16%	0.16%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000.01 to $50,000; Dividend Distribution: Monthly Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.16% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Business Checking	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 to $25,000; Dividend Distribution: Monthly Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
5/5 Adjustable-Rate Mortgage	5.625%	-	6.887%
Details As low as 5.625% introductory rate; Rate of 5.625% with an APR of 6.887%. The information provided assumes the purpose of the loan is to purchase a property, with a 5/5 Adjustable-Rate Mortgage (ARM) loan amount of $160,000 and an estimated property value of $200,000. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 780. The rate lock period is 60 days. This rate is not guaranteed and is subject to change without notice. Actual rate, APR, and terms may vary based on credit profile, loan-to-value ratio, debt-to-income ratio, property characteristics, and market conditions. Subject to credit approval and underwriting guidelines. After the initial fixed-rate period, the interest rate, APR, and payment may increase based on market conditions. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.89% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan Special	-	-	6.29%	72 months
Details As Low As; This offer is good for all 2021 & newer model year vehicles. Not only is this valid on vehicle purchases, you can also refinance current loans from another financial institution. Loans are subject to a one-time $49 processing fee. APR on a $20,000 loan is 6.29% APR based on a rate of 6.20% resulting in an approximate payment of $334.19 per month, for a 72 month term. Must apply by October 30, 2026. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Cars, Trucks, & Street Motorcycles Loan	6.40%	-	6.40%	72 month
Details As low as; Loans are subject to a one-time $49 processing fee. APR on a $20,000 loan is 6.49% based on a rate of 6.40%, resulting in an approximate payment of $336.09, for a 72 month term. Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 5.99% → 6.40% ▲ 0.41 pts · high 6.40% / low 5.90% Oct 6, 20266.40%▲ from 5.90% Sep 27, 20265.90%▼ from 5.99% Sep 18, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
New Vehicle Loan	-	-	6.49%	Up to 72 months
Details Additional APR listed for this product: 7.07%. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99% Oct 6, 20266.49%▲ from 5.99% Sep 18, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Vehicles Auto Loans	6.49%	-	6.49%
Details as low as Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99% Oct 10, 20266.49%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
New Vehicle Loan	-	-	6.98%	73 to 78 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.48% → 6.98% ▲ 0.50 pts · high 6.98% / low 6.48% Oct 6, 20266.98%▲ from 6.48% Sep 18, 20266.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
New Vehicle Loan	-	-	7.05%	84 to 120 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.55% → 7.05% ▲ 0.50 pts · high 7.05% / low 6.55% Oct 6, 20267.05%▲ from 6.55% Sep 18, 20266.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
New Vehicle Loan	-	-	7.54%	121 to 180 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.04% → 7.54% ▲ 0.50 pts · high 7.54% / low 7.04% Oct 6, 20267.54%▲ from 7.04% Sep 18, 20267.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicles & Boats Loan	6.40%	6.40%	72 month
Details As low as; Loans are subject to a one-time $49 processing fee. APR on a $20,000 loan is 6.49% based on a rate of 6.40%, resulting in an approximate payment of $336.09, for a 72 month term. Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 5.99% → 6.40% ▲ 0.41 pts · high 6.40% / low 5.90% Oct 6, 20266.40%▲ from 5.90% Sep 27, 20265.90%▼ from 5.99% Sep 18, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Powersports Loan	6.99%	6.99%	72 month
Details As low as; (Non-Street Motorcycles, ATVs, UTVs, PWCs, Golf Carts, Snowmobiles, & Scooters) Loans are subject to a one-time $49 processing fee. APR on a $20,000 loan is 7.07% based on a rate of 6.99%, resulting in an approximate payment of $341.65, for a 72 month term. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal	11.90%	Up to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 11.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

Midwest America Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
2nd Fixed Mortgage	6.24%	-	6.24%	120 months
Details As low as 6.24% fixed interest rate; Loans are subject to a one-time $199 processing fee. APR on a $60,000 loan is 6.311% based on a rate of 6.24%, resulting in an approximate payment of $675.53 for a 120 month term with the $199 fee included. Maximum amount financed is $350,000 or up to 100% of appraised value minus the first mortgage balance. An AVM is required on loan amounts from $50,000 to $100,000. An appraisal is required on all combined loan-to-value ratios exceeding 80% or loan amounts above $100,000. Property must be located within a 100-mile radius of any MidWest America branch. Subject to credit approval and underwriting guidelines. Programs, rates, terms, and conditions are subject to change without notice. Other restrictions may apply. Contact a Mortgage Specialist for complete details. Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 6.31% → 6.24% ▼ 0.07 pts · high 6.31% / low 6.24% Oct 2, 20266.24%▼ from 6.31% Sep 27, 20266.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Credit Builder Loan	-	-	4.05%	Up to 36 months
Details Max. amount $5,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.05% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Get it Done Home Loans	5.49%	-	5.633%	10 years
Details As low as 5.49% for 10 years; The loan origination fee is only $399, but it is discounted to $299 with Relationship Perks. For example, with a loan amount of $60,000 for 10 years at a rate of 5.49%, the APR would be 5.633% with the $399 loan origination fee included. The approximate payment would be $655.12 per month. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.63% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Get it Done Home Loans	5.24%	-	5.24%	7 years
Details As low as 5.24% for 7 years; The loan origination fee is only $399, but it is discounted to $299 with Relationship Perks. For example, with a loan amount of $60,000 for 7 years at a rate of 5.24%, the APR would be 5.436% with the $399 loan origination fee included. The approximate payment would be $860.38 per month. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 5.44% → 5.24% ▼ 0.20 pts · high 5.44% / low 5.24% Oct 6, 20265.24%▼ from 5.44% Sep 18, 20265.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Get it Done Home Loans	5.74%	-	5.74%	13 years
Details As low as 5.74% for 13 years; The loan origination fee is only $399, but it is discounted to $299 with Relationship Perks. For example, with a loan amount of $60,000 for 13 years at a rate of 5.74%, the APR would be 5.855% with the $399 loan origination fee included. The approximate payment would be $550.28 per month. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Home Energy Loans - smart e-Loans	6.99%	-	6.99%	5 years
Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Home Energy Loans - smart e-Loans	7.49%	-	7.49%	7 years
Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Home Energy Loans - smart e-Loans	7.49%	-	7.49%	10 years
Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Home Energy Loans - smart e-Loans	7.99%	-	7.99%	12, 15, 20 years
Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Home Loans	-	-	6.445%
Details As Low As; Rate applies to Home Loans. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 5.44% → 6.45% ▲ 1.01 pts · high 6.45% / low 5.44% Oct 2, 20266.45%▲ from 5.44% Sep 18, 20265.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Second Mortgage - Owner Occupied	-	-	7.548%	121 to 180 months
Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.46% → 7.55% ▲ 1.09 pts · high 7.55% / low 6.46% Oct 2, 20267.55%▲ from 6.46% Sep 18, 20266.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Second Mortgage - Owner Occupied	-	-	8.039%	181 to 240 months
Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.95% → 8.04% ▲ 1.09 pts · high 8.04% / low 6.95% Oct 2, 20268.04%▲ from 6.95% Sep 18, 20266.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Second Mortgages	6.99%	-	6.99%	120 month
Details As low as; The processing fee is $199 but only $99 with Relationship Perks. APR on a $60,000 loan is 7.068% based on a rate of 6.99%, resulting in an approximate payment of $698.76, for a 120 month term with the $199 fee included. Maximum amount financed is $350,000 or up to 100% of Appraisal Value minus First Mortgage. AVM required on loan amounts $50,000 to $100,000. Appraisal required on all CLTV higher than 80% or loan amounts above $100,000. Property location must be within a hundred (100) mile radius of any MidWest America Branch. Ask for more details. Last Updated 10/10/2026 Rate History 3 changes since Sep 18, 2026 · 6.31% → 6.99% ▲ 0.68 pts · high 7.07% / low 6.24% Oct 6, 20266.99%▼ from 7.07% Oct 2, 20267.07%▲ from 6.24% Sep 27, 20266.24%▼ from 6.31% Sep 18, 20266.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Used 2016 & Older Loan	-	-	9.57%	72 to 84 months
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 9.57% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Used 2016 & Older Loan	-	-	8.60%	up to 60 months
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Used 2017 & Older Loan	-	-	7.80%	Up to 54 months
Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.30% → 7.80% ▲ 0.50 pts · high 7.80% / low 7.30% Oct 6, 20267.80%▲ from 7.30% Sep 18, 20267.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Used 2017-2021 Loan	-	-	9.55%	84 to 120 months
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 9.55% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Used 2017-2021 Loan	-	-	8.58%	up to 72 months
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.58% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Used 2018-2020 Loan	-	-	7.19%	Up to 60 months
Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.69% → 7.19% ▲ 0.50 pts · high 7.19% / low 6.69% Oct 6, 20267.19%▲ from 6.69% Sep 18, 20266.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Used 2018-2020 Loan	-	-	7.68%	61 to 66 months
Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 7.18% → 7.68% ▲ 0.50 pts · high 7.68% / low 7.18% Oct 6, 20267.68%▲ from 7.18% Sep 18, 20267.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Used 2019 & Older Loan	-	-	9.09%	up to 54 months
Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 9.09% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Used 2020-2021 Loan	-	-	8.09%	up to 54 months
Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.09% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Used 2021-2023 Loan	-	-	6.68%	Up to 66 months
Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.18% → 6.68% ▲ 0.50 pts · high 6.68% / low 6.18% Oct 6, 20266.68%▲ from 6.18% Sep 18, 20266.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Used 2021-2023 Loan	-	-	7.18%	67 to 72 months
Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.68% → 7.18% ▲ 0.50 pts · high 7.18% / low 6.68% Oct 6, 20267.18%▲ from 6.68% Sep 18, 20266.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Used 2022-2023 Loan	-	-	8.05%	84 to 120 months
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Used 2022-2023 Loan	-	-	8.54%	121 to 180 months
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 8.54% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Used 2022-2023 Loan	-	-	7.08%	up to 72 months
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.08% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Used 2022-2023 Loan	-	-	7.58%	up to 60 months
Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.58% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Used 2024-2026 Loan	-	-	7.05%	84 to 120 months
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Used 2024-2026 Loan	-	-	7.54%	121 to 180 months
Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.54% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Used 2024-2026 Loan	-	-	6.49%	Up to 72 months
Details Additional APR listed for this product: 7.07%. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99% Oct 6, 20266.49%▲ from 5.99% Sep 18, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Used 2024-2026 Loan	-	-	6.98%	73 to 78 months
Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 6.48% → 6.98% ▲ 0.50 pts · high 6.98% / low 6.48% Oct 6, 20266.98%▲ from 6.48% Sep 18, 20266.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Coverdell ESA	0.14%	-	0.14%
Min Balance $1 Details Dividend Distribution: Monthly Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.14% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Liquid Gold	0.30%	-	0.30%
Min Deposit $2,500 Min Balance $2,500 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Liquid Gold	0.46%	-	0.46%
Min Deposit $2,500 Min Balance $10,000 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.46% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Liquid Gold	0.56%	-	0.56%
Min Deposit $2,500 Min Balance $25,000 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Liquid Gold	0.66%	-	0.66%
Min Deposit $2,500 Min Balance $50,000 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.66% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Regular Shares	0.05%	-	0.05%
Min Deposit $5 Min Balance $200 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Traditional Share IRA	0.14%	-	0.14%
Min Balance $1 Details Dividend Distribution: Monthly Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.14% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

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.
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Financial Health History

Midwest America Federal Credit Union’s Texas Ratio rose from 0.85% in Q3 2023 to 4.56% 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	$1.0B	4.56%	5.0	A+
March 31, 2026	$995M	4.06%	5.0	A+
December 31, 2025	$959M	4.41%	5.0	A+
September 30, 2025	$957M	3.67%	5.0	A+
June 30, 2025	$949M	3.42%	5.0	A+
March 31, 2025	$944M	2.95%	5.0	A+
December 31, 2024	$901M	2.85%	5.0	A+
September 30, 2024	$880M	1.97%	5.0	A+
June 30, 2024	$857M	1.85%	5.0	A+
March 31, 2024	$860M	1.82%	5.0	A+
December 31, 2023	$821M	1.62%	5.0	A+
September 30, 2023	$810M	0.85%	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 Midwest America 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 Midwest America 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 Midwest America Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Midwest America Federal Credit Union

Website https://www.mwafcu.org

Address 1104 Medical Park Dr, Fort Wayne, IN 46825-5826

Phone 260-482-3334

Fax

President Maureen Fulk

CEO David Shadburne

Full-Time Employees 196

Part-Time Employees 8

Branch Locations 15

ATM Locations 15

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

4.56%

Return on Assets (ROA)

0.5722%

Return on Equity (ROE)

3.9625%

Non-Performing Loans Ratio (NPL)

0.90%

Total Assets

1,003,287,811

Total Amount of Shares and Deposits

846,425,265

Total Shares and Deposits < 1 Year

754,179,823

Total Shares and Deposits 1 3 Years

89,636,293

Total Shares and Deposits > 3 Years

2,609,149

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

59,644,373

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

59,644,373

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

786,780,892

Total Interest Expense (Sum of items 6 8)

7,737,824

Share Certificates

8,552

Number of Accounts for Share Drafts

29,131

IRA KEOGH Accounts

1,592

Number of Accounts for Regular Shares

63,572

All other shares

269

Money Market Shares

1,258

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)

29,553,790

Total Liabilities

859,520,752

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Midwest America 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Midwest America Federal Credit Union

How many branches does Midwest America Federal Credit Union operate?

Midwest America 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 Midwest America Federal Credit Union?

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

Does Midwest America Federal Credit Union offer online and mobile banking?

Most modern institutions like Midwest America 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.mwafcu.org.

Current Midwest America Federal Credit Union Rates

12-Month CD2.25%
18-Month CD2.00%
24-Month CD1.75%
60-Month CD1.75%
Savings3.00%
MMA3.65%

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

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Midwest America Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Midwest America Federal Credit Union Texas Ratio

Midwest America Federal Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Midwest America Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Midwest America Federal Credit Union

How many branches does Midwest America Federal Credit Union operate?

Is a member application needed to join Midwest America Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Midwest America Federal Credit Union offer online and mobile banking?

Current Midwest America Federal Credit Union Rates

Compare to Other Credit Unions