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Fee Schedule

Fee Schedule

Fee Schedule

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Fee Schedule: Effective 11/20/2019

Product

Amount

Account Closing within 6 months or for Misuse

$25.00 each

Account Conversion Fee

$31.00 each*

Account Research/Reconciliation

$20.00/hour*

ACH Authorization Revoked Fee

$31.00 each*

ATM Deposit Fee (5 FREE per month)

$5.00 each*

ATM Empty Envelope Fee

$31.00 per envelope

ATM Inquiry

$1.00 each*

ATM Out of State Transaction Fee

$1.00 per transaction*

ATM Withdrawals (10 FREE per month)

$1.50 each*

Business Account Monthly Service Fee

$10.00 a month*

Card (plastic) replacement fee

$10.00 each*

Debit Card Overdraft Fee

$31.00 each overdraft occurrence

Deposit Return Fee: Member Check

$31.00/each

Deposit Return Fee: Not member Check

$10.00/each*

Garnishment Administrative Fee

$25.00/each occurrence*

Levy Admin Fee

$25.00 each occurrence*

Money Market Service Fee (Bal < $10K)

$15.00 a month

Money Market Withdrawal Fee (6 free month)

$10.00 each

Money Order

$2.00 each

Non-Member coin counting

$2.00 each occurrence*

Non-Member Notary

$5.00 each occurrence

NSF Check (deposit-personal/payment)

$31.00 each item

NSF Transaction/Item/Overdraft

$31.00 each item causing an overdraft

Overdraft Transfer Fee (Share or LOC Draw)

$5.00 per tansfer*

Payment Convenience Fee

$5.00 each

Payment NSF Fee

$31.00 each

Privilege Pay Overdraft Fee

$31.00 each

Returned/Undeliverable Mail Fee

$7.50/monthly handling fee*

Share Draft/Checks

Prices vary depending on style

Stop Payment Fee

$31.00 each*

Stop Payment MCU Check before 90 day VOID

$31.00 each* or 90 day wait

Temporary/Instant Issue Debit Card

$10.00 each*

Temporary Pack of Checks (10 in a pack)

$5.00 pack of 10 minimum*

Wire Transfer Fee – Incoming

$5.00 per transfer*

Wire Transfer Fee – Domestic

$20.00 per transfer*

Wire Transfer Fee – International (US or foreign currency)

$45.00 per transfer*

Visa Debit

Visa Debit

Visa Debit

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VISA® debit cards

Visa® Debit Cards are available with our checking accounts. Get cashback from your checking account at ATMs and certain retailers throughout the world, or use it to buy goods and services at millions of merchant locations wherever VISA® is accepted. No more waiting for check approval. Visa Debit card works just like a credit card but your purchases are deducted right from your share draft account.

brella

Prevent Fraud on your debit card today! Sign up for Brella. Download the app for your phone now, available in the App Store and Google Play.

Brella - Added Security for Your Debit Card

atm locations

Looking for a surcharge FREE ATM? 

Privileged Status Logo

*No purchase is necessary to enter to win. A purchase will not increase your chances of winning. Void where prohibited. The promotion period is between January 1, 2021, and March 31, 2021. Visit https://www.shazam.net/services/marketing/sdr-rules/ for official rules and complete contest details.

Personal Loan

Personal Loan

Personal Loan

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Do you need a loan for something personal?  Personal loans offer the flexibility to borrow funds with no collateral requirements.

For more details, call a loan officer at 515-645-9334 or

*With approved credit. Some restrictions apply.

Switch Kit

Switch Kit

Switch Kit

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switch kit

Our switch kit is an easy-to-use, FREE service to help you transfer your accounts from other financial institutions to Midland Credit Union.  Simply enter your information and the switch kit helps you create the letters to notify others of your account change. If you would like assistance with completing the switch kit, please feel free to contact us at 515-278-1994.

IMPORTANT: Please gather all of your information before you begin.

Shared Branching

Shared Branching

Shared Branching

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Shared Branching

What is Shared Branching?

Shared Branching is a national network of credit unions from all over the country that share facilities to give members thousands of convenient locations to perform transactions just as if they were at their home credit union. Whether you are at work, home, or your favorite travel destination, Midland Credit Union is always nearby.  More than 5,000 shared branches worldwide.

At any shared branching location you can:

Individual Retirement

Individual Retirement

Individual Retirement

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Individual Retirement

Don’t lose sight of your future.  Take advantage of great tax benefits and prepare for a comfortable retirement with an IRA.

Choosing between a Traditional IRA and a Roth IRA.  The main question to consider is: Do you want to save on taxes now or when you retire?  If you want to save on taxes now, choose a traditional IRA.  If you want to save on taxes when you retire, choose a Roth IRA.

Checking

Checking

Checking

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checking

SAVE TIME & MONEY with a Midland Difference Checking Account!  Experience the Midland Difference with a checking account that charges NO monthly service fee while earning dividends on balances above $500.

Save time & money with these checking services:

shared branch locations

Traveling? No problem, do your Midland Credit Union transaction at other CU’s across the states.

Savings

Savings

Savings

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savings & investment

Saving regularly at your credit union is the best way to have a secure financial future. Your membership account is your savings account at the credit union with dividends being paid on your deposits over $100. Balance requirement to retain membership is $25. We have many ways to save money. Open various Savings accounts, Money Market or Investment accounts. We have 6, 12, 18, 24 and 36 month certificate options at great rates!

Check out our Rates!

holiday savings account

Open a Holiday Savings Account this month and start saving a little each month for your holiday expenses. We guarantee the holidays will be even merrier! There’s no minimum balance required to open an account. Funds can be payroll deducted or direct deposited weekly.

shared branch locations

Traveling? No problem. Find a shared branch near you to complete your Midland Credit Union transactions.

Youth Accounts

Youth Accounts

Youth Accounts

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midland credit union's path to financial literacy