Loan Protection

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Because bad things can happen to good people, we can protect you and your family from the unexpected.

Life Protection – Coverage for your family in case of your passing
Disability/Unemployment Debt Protection – Coverage in case you become disabled or unemployed.
Guaranteed Asset Protection (GAP) – Covers the deficiency balance on your loan in the event of a total loss. This is particularly advantageous when buying a new vehicle.
Mechanical Breakdown Coverage (Warranties) – Provides protection against mechanical breakdowns above and beyond the original manufacturer’s warranty.

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

*With approved credit. Some restrictions apply.

Fee Schedule

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Product	Amount
Account Closing within 6 months or for Misuse	$5.00 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
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
Shared Branching Fee (5 FREE month)	$5.00 each*

Stop Payment Fee	$31.00 each*
Stop Payment MCU Check before 90 day VOID	$31.00 each* or 90 day wait
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*

* Fee schedule effective 1/11/2023.

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.

ATM locations

Looking for a surcharge FREE ATM?

Personal Loan

Bethany Clary on February 7, 2022

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

Bethany Clary on February 3, 2022

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

Bethany Clary on February 3, 2022

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:

Withdraw Money
Transfer Funds
Make Deposits
Get a Copy of Your Account History
Make Loan Payments
Cash Checks
... and More!

Individual Retirement

Bethany Clary on February 3, 2022

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

Bethany Clary on January 26, 2022

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

Bethany Clary on January 26, 2022

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 $5. 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 automatically transferred from another account.

shared branch locations

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

Youth Accounts

Bethany Clary on January 26, 2022

Youth Accounts

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midland credit union's path to financial literacy

It's never too early to open a savings account for your child

Youth Savings Account

• No monthly service fee
• Competitive interest rates

You decide what type of account and services your child is ready for.

Youth Checking Account

Earns monthly dividends on the average daily balance above $500.

• No monthly service fee
• Offers all the FREE electronic services of a standard checking account (Home Banking, Mobile Banking, Electronic Statements, Mobile Remote Deposit Capture & Voice Response)

VISA Debit Card

• Great complement to youth checking account
• Withdraw cash from ATM
• Youth practice buying with plastic with parents' guidance

First Car Loan

• Parents co-sign and we'll set the loan rate based on parents' credit scores
• Loan will work on building the youths' credit score

Credit-Builder Loan

• Build credit for your youth even if they don't need the money
• Low interest rate with funds set aside in a savings account
• Youth makes payments toward the loan, and when the monthly principal payments equal the amount saved, the money is yours

When your child turns 18, their account will automatically convert to a FREE standard checking account. They'll get:

• All the FREE features they had before and still pay no monthly fees
• Helpful tools to build good credit and work toward financial goals

You can also request to be taken off the account or continue to be a join account holder.

CO-OP Shared Branching

• Allows youth to take the account with them to college
• 5,000+ nationwide shared brasnch locations

Loan Protection

Loan Protection

Because bad things can happen to good people, we can protect you and your family from the unexpected.

Fee Schedule

Fee Schedule

Visa Debit

Visa Debit

VISA® debit cards

ATM locations

Personal Loan

Personal Loan

Switch Kit

Switch Kit

switch kit

Shared Branching

Shared Branching

Shared Branching

Individual Retirement

Individual Retirement

Individual Retirement

Checking

Checking

checking

shared branch locations

Savings

Savings

savings & investment

holiday savings account

shared branch locations

Youth Accounts

Youth Accounts

midland credit union's path to financial literacy

About

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About

Quicklinks

Contact Us