We’re pleased to announce that we have expanded our field of membership through a merger with NGPL Employees Credit Union.  We want to welcome all NGPL member-owners to the Midland Credit Union family! 

Midland Credit Union now serves 24 counties in Iowa. If you have family or friends who live or work in one of these 24 counties, we encourage you to invite them to join the MCU family. Due to the merger, NGPL Employees Credit Union members and their families living or working outside these 24 counties are ALSO ELIGIBLE to become part of the Midland Credit Union family.

Welcome NGPL Employees Credit Union Member-Owners!

Recently, the NGPL Employees Credit Union Election Committee announced the results of the member vote to approve the Board’s resolution to merge with Midland Credit Union (MCU).  The final tally was 71 voted yes to approve the merger, and three members voted against the merger.  The effective date of the merger shall be August 1, 2023.

The Midland Credit Union Board and staff are pleased to open its doors to the current members of NGPL Employees Credit Union and their families. Midland Credit Union is a full-service community credit union that has served its member-owners for the last 90 years.  MCU is proud of its strong reputation in its communities and its ability to grow based on satisfied member referrals.  This merger will allow you to take advantage of a host of new products and services, including Online and Mobile Banking, as well as the ease and convenient use of e-Docs to sign necessary disclosures and loan documents via your computer or mobile smartphone.  Midland has three locations in the Des Moines metro area and is headquartered in Urbandale, IA.

Don’t miss the full list of Q&As at the bottom of this page! 

Why did your Board choose Midland?

In planning for the future, both credit unions realized that a combined organization would bring much greater strength and competitive advantages than each could provide on its own. Very simply, we want to bring members the best value from their credit union while ensuring that we continue to grow and thrive in an ever-changing financial services industry.



What can you expect as a member of Midland?

Midland Credit Union is a financially strong institution that is celebrating its 90th year of operations this year. What began as a credit union to serve employees of a Des Moines wholesale grocery supplier in 1933, has now expanded to serve over 4,800 members and their families in Iowa and across the country. Due to its investment in technology, Midland CU is able to allow 24/7 access to members and potential members through its online home banking channel as well as its robust mobile app, which you can download onto your smartphone. As a member of Midland Credit Union, you can expect to be treated with respect and receive friendly service from staff who are willing to listen in order to assist you in the best way possible.

How will a merger with Midland benefit me?

The friendly staff at MCU will take the time to get to know you and understand your financial needs.

  • Online and Mobile Banking will provide you with convenient 24/7 access to your accounts.
  • Online and Mobile Loan Applications will allow you to apply for a loan anytime, anywhere.
  • Online Membership Application will allow you and your family to quickly and conveniently become members and open new accounts.
  • Checking accounts with NO monthly service fee and NO minimum balance requirement.
  • MCU Visa Debit Card will allow you to make purchases or withdraw funds from your accounts.
  • Certificates of Deposit and IRA accounts will allow you to grow your savings.
  • Mobile Deposit will allow you to deposit checks into your account with your smartphone.
  • Online Bill Pay will allow you to conveniently pay your bills.
  • A variety of Mortgage Loan options, regardless of whether you want to purchase, refinance or use your home’s equity for something else.
  • Shared Branching Network will allow you to access over 5,000 financial institutions nationwide and conduct transactions.



A:  The effective date of the NGPL Employees Credit Union with Midland Credit Union becomes effective 08/01/23 and you will have access that day to your accounts.

A. Everything you need to know about the merger can be found on a special merger page set up on MCU’s website:

A. No.  Since this is the private residence of the NGPL ECU Manager, for security reasons this will be closed. 


Yes. The NGPL ECU office hours will change to match MCU’s hours of operation. (Mon., Tue., Thu., & Fri. 8:30 am to 5:00 pm; Wed. 9:30 am to 5:00 pm)  MCU members also have 24/7 access via MCU’s Online Banking and Mobile Banking App.  MCU members also have access to CO-OP Shared Branching.

A.  A national network of credit unions from all over the country that shares facilities, giving you over 5,000 convenient locations to perform transactions. The current list of available shared branch facilities can be found at

A. Yes. Your account and routing numbers and suffixes to your share and loan types will change. You’ll receive a letter with your new member account number(s) and routing number before 8/1/23.


A:  If you are concerned about statement access, we suggest completing the following items to prepare for the merger:

  • Contact the NGPL Credit Union office at 641-396-2135 prior to 08/01/23 to request your 2023 statements for quick reference.

A.  On or after 8/1/23, you can call us during business hours at 515-278-1994 to have a new Login/Password set up for your account. After that you can go to the App Store on your smartphone and select Midland Credit Union to download the mobile app or login at .

A. To utilize the Bill Pay system you will first need to open up a new MCU checking account.  Then, after setting up a new Login/Password for Online Banking, click the menu button (3 vertical lines in the web page’s top left corner of the web page.)  Then click “Bill Pay” to start setting up your Free MCU Bill Pay. Set up must be done on your computer and not on your smartphone. Once you have set up your Bill Pay account, you can use your computer or mobile app to make transactions and review history.

A.  After setting up a new Login/Password for Online Banking, click the menu button (3 vertical lines in top left corner of web page). Then click “External Accounts” to get started linking your accounts.  If you are using the Mobile app click the “Transfer” button (2 arrows at bottom of app screen).  Now click “Manage External Accounts” and follow the instructions.  Once you have linked your accounts, you can use either your computer or the mobile app to manage transactions.

A. Yes. Simply download the new app by searching “Midland Credit Union” in the app store on or after 8/1/23. There are many services available on the MCU Mobile App, including Mobile Deposit, Loan Payments, Pay a Member (MCU Accounts), Bill Pay, Apply for a Loan, Set Alerts for your Debit and/or Credit Cards, Statements, and so much more!


A:  You currently received dividends on your Share Savings account semi-annually, but this will change to monthly dividends distributed by MCU.

A. Yes. MCU offers Money Market and Certificates of Deposit accounts that yield higher interest rates than a traditional Share Savings.  Additionally, you can open an MCU interest bearing checking account along with a debit card for easier access.  Please contact a Midland Representative at 515-278-1994 for assistance.

A.  Simply call a Midland Representative at 515-278-1994 or send an email to requesting to open a new checking account.

A.  Those members who receive Kinder Morgan payroll deposits to their NGPL ECU account can expect to have it directly deposited into their MCU accounts starting 8/12/23.

A. Yes. You’ll have access to Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.


A: The rate and term of your loan will not change.

A.  Yes. MCU offers competitive rates on new or used autos, RVs, boats, motorcycles, ATVs, jet skis, travel trailers, and more. You can also take advantage of personal loans or apply for an MCU Mastercard. Various mortgage loans are also available, including 1st mortgage loans, VA loans, FHA loans, along with home equity fixed-rate loans and home equity variable-rate lines of credit.


A: Your July 2023 statement, arriving at the beginning of August, will be the same that you have always received. Starting in September, your statements will come from MCU and have an easy-to-read new look.

If you have a question about the proposed merger that is not covered in the Q&A section, please submit your question using the contact form below. Thank you!

NGPL Contact Us