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All savings accounts provided by Mid-Minnesota are insured by the National Credit Union Administration (NCUA), an agency of the federal government, up to $250,000. 

Add-On Term Share Certificate (TSC)

An Add-On Term Share Certificate is a fixed rate dividend-bearing account that provides more flexibility than a Traditional TSC. It gives you the ability to make additions to your account before renewal, while still guaranteeing a fixed rate of dividends for a specific term. Add-On TSCs can be opened as a Traditional TSC, a Traditional IRA, Roth IRA, or an Education IRA. 

Bump Certificates

Are current rates discouraging you from investing, convinced they will eventually be going up? Let Mid-Minnesota take the guesswork out of it for you... Our Bump Certificate allows you to adjust your rate one time during the duration of your investment. If rates go up, simply contact your credit union and we'll 'Bump Up' your rate for the remainder of the term. 

Fast Forward Certificate

With a Fast Forward Certificate you earn dividends as you build your balance! You can start the certificate with as little as $10 and a commitment to deposit at least $10 per month for the remainder of the term. While you are contributing each month, you are also earning dividends. The Fast Forward Certificate is a great way to save money for a down payment on a house or car, or use it as a structured way to help everyone in your family plan their own savings and track monthly interest.

*Must make minimum $10 monthly contribution to avoid a $10 penalty.

Traditional Term Share Certificates

With a minimum deposit of $500 you can earn a higher return on your investment. Terms vary from 3 to 48 months. With an active MMFCU checking account you receive an additional .25%APY on your certificate. Current Rates >

Term Share Certificate (Age 18 and younger)

Money doesn't grow on trees, but your kids might think so... Mid-Minnesota members age 0-18 earn great rates with traditional Term Share Certificates for 6, 12, 18, 24, and 36 month terms with a $100 MINIMUM DEPOSIT. Plus, increase your dividend rate by .25%APY when the adult certificate holder has an active checking account at Mid-Minnesota. 

Other Ways to Save...

Super Savers

A savings account paying you dividends on your average monthly balance. Current Rates >


Individual Retirement Accounts 

Visit our IRA Service Center to learn more about IRAs, planning your retirement, opening an IRA account, or make transactions on an existing MMFCU IRA. 

Money Market Savings

Earn more without a long-term commitment. Minimum balance to open is $25,000. Dividends are compounded and paid monthly*. Access your funds with our 24-hour services include ATM, Phone Teller and PC Teller with a maximum of six transactions a month**. The more you invest the more you earn.

  • Tier Categories: $25,000 - $49,999 | $50,000 +

*If balance falls below $25,000 in a given month a $15 fee will be assessed. ** A per item fee of $10 for each withdrawal or transfer in excess of six during a month will be charged.

Health Savings Accounts (HSA)

Do rising health care costs also have your blood pressure rising? Consider a Health Savings Account (HSA). Pay your medical expenses with tax-free HSA distributions or save for future needs. Learn more about HSA's and if you are eligible by talking with Member Services at your local branch.


Shower your white wedding with green! Check out this unique and practical concept. MatriMoney provides a way for engaged couples to request money consistent with wedding registries at retail stores. MatriMoney allows wedding guests to give a monetary gift in a secure way by making a deposit directly into your Mid-Minnesota MatriMoney account where it starts earning dividends immediately.

Mid-Minnesota Investment and Retirement Services 

He may not have a crystal ball, but Financial Advisor Rory Papenfuss can help you plan and prepare for your future through a variety of investment and retirement services.