Mid Minnesota Credit Union Crosby MN | Affordable Vehicle Loans & Drive-Thru Banking

Introduction

At Mid Minnesota, we believe in the power of community and financial empowerment. Established in 1970, our credit union has been dedicated to serving the residents of Crosby, MN, and beyond for over five decades. Located at 117 W Main St, Crosby, MN 56441, we are proud to be a trusted partner for 63,620 members who rely on us for their financial needs. Our commitment goes beyond just numbers. With total assets exceeding $755 million, including over $79 million in deposits, we ensure that your money is safe and working for you. We offer a variety of services from personal banking and auto loans to business banking solutions designed with our members' unique needs in mind. In fact, our total loans stand at an impressive 33,612, reflecting our dedication to helping you achieve your financial goals. Leadership is key to our success. Under the guidance of our CEO, Bob Gerads, and Board President, Greg Lange, we have built a strong team of 172 employees who are here to assist you every step of the way. Whether you're looking for advice on mortgages or want to open a new savings account, we're here to help. While members can visit us at our branch location, official correspondence should be sent to our mailing address: 13283 Isle Dr, Baxter, MN 56425-8554. We invite you to explore all that we offer by visiting our website at Mid Minnesota Federal Credit Union. If you have any questions or need assistance, don't hesitate to call us at 218-546-5428. Together, let's build a brighter financial future!

Branch History & Mission

Community Engagement

Mid Minnesota's connection to the community is evident through various outreach efforts. We actively participate in local events and collaborate with organizations that share our values of support and empowerment. This includes hosting workshops that educate members about budgeting and saving strategies. As we look ahead, we invite you to join our growing family at Mid Minnesota. Experience firsthand how we can help you achieve your financial goals while making a positive impact in our community. Whether you're looking for personal banking solutions or need assistance with business financing, we're here for you every step of the way. For more information or to get started today, contact us at 218-546-5428 or visit our website at www.mmfcu.org. Together, let's build a brighter financial future!

Mission Statement

Our mission is straightforward yet powerful: to improve the financial well-being of our members while supporting the communities we serve. We believe that everyone deserves access to quality financial services and education. This belief drives us to create programs and partnerships aimed at enhancing the lives of those in Crosby and beyond. In addition to traditional banking services, we have embraced technology to offer online and mobile banking options. Members can enjoy features like electronic signatures for ease of transactions and person-to-person payment capabilities. We're also proud to provide ADA-compliant facilities so that all individuals can access our services comfortably.

Branch Location & Accessibility

Comprehensive Services Just for You

At Mid Minnesota Federal Credit Union, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, our shared service center allows members from partner credit unions to conduct basic transactions here as well! If you're looking for an ATM, you're in luck! We have convenient ATM access available for quick cash withdrawals or balance checks right at your fingertips. While members can visit us at 117 W Main St Crosby Mn 56441, official correspondence should be sent to 13283 Isle Dr, Baxter, MN 56425-8554. Ready to take the next step? Visit us today or give us a call at (218) 546-5428! We look forward to serving you and helping you achieve your financial goals.

Convenient Access for Everyone

At Mid Minnesota, we prioritize accessibility. Our branch features ADA-compliant entryways and ramps to ensure everyone can visit us without hassle. There's ample parking available nearby, so you can easily stop by without worrying about finding a spot. For those on the go, we offer a drive-thru banking option, allowing you to complete simple transactions quickly and efficiently.

Operating Hours That Fit Your Schedule

We understand that life can get busy. That's why our lobby is open Monday through Friday from 8:30 AM to 5:00 PM, with our drive-up service available even earlier starting at 7:30 AM until 5:30 PM. Whether you need to deposit a check or inquire about loans, our friendly staff is here to help during these hours.

Member Eligibility

Joining the Mid Minnesota family is more than just opening an account; it's about becoming part of a caring community dedicated to your financial well-being. If you live, work, worship, or attend school in the area around 117 W Main St Crosby Mn 56441, you're likely eligible for membership! We welcome individuals from all walks of life, so whether you're just starting out or looking to grow your financial future, we have something special for you. As a member, you'll enjoy personalized service and access to a variety of financial products designed with your needs in mind. Ready to take the next step? Opening an account is straightforward and welcoming. You can get started by visiting us online at https://www.mmfcu.org/business/lending/. If you have any questions or need assistance along the way, don't hesitate to reach out at (218) 546-5428. For more details on eligibility criteria. We look forward to having you as part of our community!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $260 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $39,026,967, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, effective payment solutions are essential. Our merchant services offer businesses the tools they need to accept payments easily and securely. Imagine a local café that can process credit card transactions on the spot this convenience not only enhances customer satisfaction but also helps streamline operations. Whether you're just starting out or have been in business for years, Mid Minnesota is here to help you thrive. Visit us at 117 W Main St Crosby Mn 56441 in Crosby, MN or call us at (218) 546-5428 to learn more about how we can assist your business journey.

Comprehensive List Of Services

Business Banking

We also cater to local businesses with our business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we have the resources to support your business goals.

Convenience at Your Fingertips

In today's fast-paced world, convenience matters. That's why we provide robust online and mobile banking features. With these tools, you can check balances, transfer funds, and pay bills from anywhere making banking easier than ever. Need cash on the go? Our ATM services ensure that you can withdraw cash whenever necessary. Plus, our basic drive-thru service allows for quick deposits and withdrawals without leaving your car perfect for those busy days when time is of the essence.

Credit Cards

Looking to earn rewards on your purchases? Our credit cards with rewards give you more than just purchasing power; they reward you for spending wisely. Enjoy benefits like cashback or travel points while keeping your finances in check.

Loans and Financing

Need a new car? Our auto loans and vehicle financing options make it simple to drive away in the vehicle you want. We offer flexible terms and competitive rates, ensuring that financing fits within your budget. If you're thinking about buying a home, our mortgage loans and refinancing services can guide you through the process, helping you secure the best possible deal. For those unexpected expenses or consolidating debt, consider our personal loans. They provide a straightforward solution for managing financial challenges without added stress.

Personal Banking

Starting with personal banking, we offer various checking and savings accounts tailored to fit your lifestyle. Imagine having easy access to your funds while earning competitive interest rates. Our accounts come with features that allow you to manage your money effortlessly whether you're using online banking or our mobile app.

Shared Branch Transactions

As part of our commitment to convenience, we also participate in shared branch transactions. This means members from partner credit unions can enjoy seamless access to their accounts right here at Mid Minnesota. We invite you to explore all that Mid Minnesota has to offer at our branch located at 117 W Main St, Crosby MN 56441. Our friendly staff is ready to assist you with any questions or concerns you may have. Feel free to reach out at 218-546-5428 for more information or visit us online at www.mmfcu.org. Join us today and discover how Mid Minnesota can help enhance your financial journey!

Digital & Online Banking

In today's busy world, convenience and security are essential when it comes to managing your finances. At Mid Minnesota, we understand the importance of having easy access to your accounts anytime, anywhere. Our digital and online banking services are designed to provide you with a secure and user-friendly experience that puts you in control of your money. One of the standout features we offer is our comprehensive online banking platform, which you can access at https://www.mmfcu.org//. With 24/7 online banking services, you can check your balances, pay bills, and transfer funds from the comfort of your home or on the go. Plus, our mobile application makes it even easier to manage your finances right from your smartphone. You can download it today and enjoy all the benefits of banking at your fingertips. Need to send money quickly? Our person-to-person transfer feature allows you to send funds easily to friends or family without any hassle. And for those who prefer going paperless, we provide e-statements so you can view your account statements digitally whenever you need them. You'll not only save time but also help the environment by reducing paper waste. We take security seriously too. With electronic signature authorization available, signing documents online is both secure and convenient. You can rest easy knowing that your sensitive information is protected while using our services. Additionally, if you're looking for a way to simplify payments, our mobile payments feature lets you make purchases directly from your phone. Whether you're shopping at your favorite store or ordering food, paying has never been easier. At Mid Minnesota, we're committed to making banking accessible and straightforward for all our members. Dive into a world where managing your finances is as easy as a few taps on your screen! Visit us online today at https://www.mmfcu.org// and experience the future of banking.

Financial Strength

At Mid Minnesota, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial health reflects our commitment to serving you with excellence. With a net worth of $66,341,017, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 8.78% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $209,716,723 in share certificates and $36,946,420 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $59,916,375 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $16,563 in used auto loans and $605,612,569 in total loans and leases. Our impressive $2,294,730 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 171 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $5,874,579. Total Share and Deposit Accounts: 121,489, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mid Minnesota is your trusted partner. Visit us at 117 W Main St Crosby Mn 56441 or call (218) 546-5428 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $255,596,980 in used vehicle loans and $91,993,699 in new vehicle loans already helping members get on the road. We offer flexible terms and competitive interest rates that can fit any budget, making it easier than ever to drive away in the vehicle of your choice.

Business Financing

For business owners, our outstanding commercial loans totaling $39,026,967 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in your current business, we can help tailor financing solutions that meet your specific needs. At Mid Minnesota, we prioritize making financing accessible for everyone. We also provide refinancing options should you want to lower your monthly payments or take advantage of better rates. For more information on eligibility requirements or to get started, feel free to reach out at (218) 546-5428. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today or check out our website at https://www.mmfcu.org// for more details on how we can support your financial journey!

Credit Lines and Personal Loans

For those needing quick access to funds, our total credit lines amounting to $198,885,499 provide flexibility for whatever life throws your way. Additionally, we also offer unsecured credit card loans with a total of $11,452,566 available. These products can help manage your finances effectively while keeping your budget in check.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $31,443,682, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through the process and find the right solution for your needs.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures that all offers presented are fair and transparent, allowing users to make informed choices.

MID MINNESOTA FEDERAL CREDIT UNION - Crosby, MN

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

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