Mid-Minnesota Federal Credit Union

Overview / Commentary
13283 Isle Dr
Baxter, MN 56425

Mid-Minnesota Federal Credit Union is headquartered in Baxter and is the 12th largest credit union in the state of Minnesota. It is also the 582nd largest credit union in the nation. It was established in 1970 and as of June of 2023, it had grown to 172 employees and 59,863 members at 12 locations. Mid-Minnesota Federal Credit Union's money market rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Mid-Minnesota Federal Credit Union offers membership to those who live, work, worship, or attend school in the Minnesota counties of Becker, Cass, Crow Wing, Douglas, Morrison, Norman, Otter, Todd, and Wadena, and 18 townships in Aitkin County.
See current membership details

Reviews (2)

Small town banking done right

Working with Mid Minnesota is a great experience. I have been a customer since I was 5 years old and while they've updated their system with new technology, nothing has really changed. They always have the best customer service and the most competitive rates and fees in the area. When mobile apps came into design, they came out with their own and it's so convenient to use. Unless I move away from the area I will never change banks.

Best credit union around

This credit union has the best rates in the area. Excellent customer service. Mobile app is very easy to use. Have been banking here for years and will continue to use their services as long as I live in the area.


Health Grade Components

NCUA #20194
Year Chartered1970
Primary Regulator
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD4.43%
Annual Interest Income$13.6MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$697.6MM$643.8MM
LoansQ2 2023vs Q2 2022$581.8MM$473.1MM
DepositsQ2 2023vs Q2 2022$628.1MM$579.1MM
Equity CapitalQ2 2023vs Q2 2022$60.3MM$57.1MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$2.1MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$3.7MM$2.6MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Mid-Minnesota Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Mid-Minnesota Federal Credit Union Savings Account Rates

4.54%--Estate Savings
3.00%*$5$500Youth Education Savings Account
OTHER TIERS: 0.05% $500+
2.50%*-$25kKasasa Saver
OTHER TIERS: 0.15% $25k+
0.25%*$5k*-Health Savings Accounts
OTHER TIERS: 0.15% $5 - $2.5k | 0.20% $2.5k - $5k
0.15%*$50k*-Floating IRA Savings
OTHER TIERS: 0.10% $5 - $50k
0.10%--WINcentive™ Savings
0.07%$5-Super Savers
0.05%$5-Regular Shares

Mid-Minnesota Federal Credit Union Money Market Rates

1.05%*$250k*-Money Market Savings
OTHER TIERS: 0.07% Up to $25k | 0.85% $25k - $50k | 0.90% $50k - $100k | 1.00% $100k - $250k
0.15%*$10k*-Money Market Checking
OTHER TIERS: 0.05% $1.5k - $10k

Mid-Minnesota Federal Credit Union Checking Account Rates

3.50%*-$10kKasasa Cash
OTHER TIERS: 0.15% $10k+
0.20%*$10k*-Business Dividend Checking
OTHER TIERS: 0.10% $5k - $10k
0.15%*$50k*-IOLTA Lawyers Trust Checking
OTHER TIERS: 0.10% $5k - $50k

Mid-Minnesota Federal Credit Union CD Rates

5.05%$500-13 Month CD Special
4.50%$500-7 Month CD Special
4.23%$10-36 Month Fast Forward CD Special
3.95%--17 Month CD Special
3.85%$500-35 Month Term Share Certificate Special
3.85%$500-35 Month CD
3.70%$500-25 Month CD
2.80%$500-48 Month CD
2.60%$500-36 Month CD
2.50%$500-24 Month CD
2.45%$2.5k-36 Month Add-On CD Special
2.45%$5k-36 Month Bump CD Special
2.35%$5k-24 Month Bump CD Special
2.00%$500-18 Month CD
1.50%$500-12 Month CD
1.40%$500-6 Month CD
1.35%$500-3 Month CD

Mid-Minnesota Federal Credit Union IRA Rates

2.80%$500-48 Month IRA
2.60%$500-36 Month IRA
2.50%$500-24 Month IRA
2.00%$500-18 Month IRA
1.50%$500-12 Month IRA
1.40%$500-6 Month IRA


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