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Credit Card

Credit Card

Credit Card

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Build your credit, harness the purchasing power of MasterCard®, and enjoy the competitive rates and local service with a Midland Credit Union MasterCard.  Both the MasterCard Classic and Gold offer the following benefits:

Experience the Midland Difference and save money with our low rate MasterCard!

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

online credit card access

MyCardInfo is a FREE service that allows you access to your credit card account 24 hours a day, seven days a week. This added service allows you to keep track of all your credit card activity.

With MyCardInfo You can:

Enroll in MyCardInfo today!

activity alerts

Start protecting your credit card by signing up to receive transaction alerts.  You can choose to receive a text message or email when your card is used for specific transaction types or dollar amounts:

You may change your alert preferences at any time.

Register in MyCardAlerts today!

fees

Interest Rates & Charges

MasterCard Classic

MasterCard Gold

Annual Percentage Rate (APR) for Purchases

12.9% APR

9.9 APR%

APR For Balance Transfers

12.9% APR

9.9 APR%

APR For Cash Advance

12.9% APR

9.9 APR%

How to Avoid Paying Interest on Purchases:  Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge:  If you are charged interest, there is not a minimum interest charge.

Annual Fees

None

Balance Transfer Fees

None

Cash Advance Fee

$5 for advances at an ATM

Foreign Transactions Fee

1% of each multiple currency transaction in U.S. dollars and .80% of each single currency transaction in U.S. dollars

Late Payment Fee

$15

Return Payment Fee

$31

Business Loan

Business Loan

Business Loan

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We have a partnership with Community Business Lenders to service our members’ business loan needs. Loans that are under $50,000 will be kept in-house; however, those over $50,000 will be completed using our partnership.

If you have any additional questions regarding a business loan, call one of our loan officers at 515-645-9334 today!

Student Loan

Student Loan

Student Loan

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We work with Iowa Student Loan* to offer private loans to help you pay for college as well as refinance existing student loans.

The Partnership Advance Education Loan and College Family Loan were created to help you pay college costs while you are or your student is in school.

The Reset Refinance Loan can help you simplify repayment or pay lower interest costs on existing student loans after college.

Take advantage of their free college planning tools to learn more about preparing for and paying for college.

* These loans are subject to credit approval. Midland Credit Union is compensated by Iowa Student Loan for the referral of student loans.

Auto Buying Center

Auto Buying Center

Auto Buying Center

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Save money by refinancing your auto loan from another!

Your next vehicle is just a click away, begin shopping now.

Get pre-approved before you start shopping or purchase your next auto!

For low rates and payments, apply to get pre-approved for a loan today. Apply in person or online before you start shopping, and you’ll have everything you need for an easy and affordable car buying experience.

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

Home Equity Line of Credit

home equity line

Home Equity Line of Credit

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A Home Equity Line of Credit gives you the ability to borrow from the money already invested in your home, and the funds can be used for just about anything!

Consider a Home Equity Line of Credit for whatever expenses life brings your way!

Mortgage Loan

Mortgage Loan

Mortgage Loan

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mortgage loan

Audrey is ready to help you with your mortgage lending needs!  Midland has a variety of mortgage loan options, and we will help you determine which loan option is best for you!

Please email, call, text, or click the Apply Now button to start the process today!

Audrey Spencer

Retail Service Manager
NMLS# 1773786

mortgage loan

Audrey is ready to help you with your mortgage lending needs!  Midland has a variety of mortgage loan options, and we will help you determine which loan option is best for you!

Please email, call, text, or click the Apply Now button to start the process today!