Mid Minnesota Credit Union Little Falls MN | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Mid Minnesota Federal Credit Union, your trusted financial partner located at 307 1st St SE, Little Falls, MN 56345. Since our establishment in 1970, we have dedicated ourselves to serving our community with integrity and care. With a proud membership of over 63,620 individuals, we strive to provide exceptional banking services tailored to the needs of our members. At Mid Minnesota FCU, we understand that financial decisions are important milestones in life. That's why we offer a variety of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our total assets amount to an impressive $755,038,729, ensuring that we have the resources to support our members' financial journeys effectively. Our leadership team is committed to fostering a welcoming environment for all. Under the guidance of CEO Bob Gerads and Board President Greg Lange, we continue to prioritize your needs while maintaining a strong financial foundation with a net worth of $66,341,017 and total deposits reaching $79,188,286. We pride ourselves on being responsive and accessible whether you visit us in person or connect through our online banking platform. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 13283 Isle Dr, Baxter, MN 56425-8554. Feel free to reach out by phone at 320-632-6679 or send a fax to 218-822-2455 if you have any questions or need assistance. Join us today and discover how Mid Minnesota Federal Credit Union can help you achieve your financial goals! Whether you're looking for loans or savings options, we're here to assist you every step of the way. Visit our website at www.mmfcu.org for more information or stop by our branch during lobby hours from 8:30 AM to 5:00 PM, Monday through Friday. Your future starts here!

Branch History & Mission

Community Commitment

Our involvement goes beyond banking; we actively seek partnerships and outreach programs that benefit the local community. Whether it's sponsoring local events or supporting educational initiatives, Mid Minnesota Federal Credit Union stands firm in its belief that together we can create lasting change. As we look toward the future, we invite you to join us on this journey. Experience the benefits of membership at Mid Minnesota Federal Credit Union where your financial success is our priority. Reach out today at (320) 632-6679 or visit us online at MMFCU to learn more about how we can serve you!

Our Mission

The mission of Mid Minnesota Federal Credit Union is simple yet impactful: We aim to provide exceptional financial services while fostering community growth. This mission guides every decision we make, from offering personal loans and credit cards with rewards to providing auto financing options that help families get on the road. We believe in empowering our members through education and support. That's why we offer resources such as online banking and mobile payments, ensuring you have access to your finances anytime, anywhere. Additionally, our shared service center allows you to conduct transactions even if you're away from home. While members can visit us at 307 1St St Se Little Falls Mn 56345, official correspondence should be sent to 13283 Isle Dr, Baxter, MN 56425-8554. We also take pride in being ADA compliant and continuously strive to enhance our customer-centric initiatives.

Branch Location & Accessibility

A Convenient Spot

Situated near local landmarks, our branch is easy to find and offers ample parking for your convenience. Whether you're running errands or just passing through, stopping by is a breeze. We also prioritize accessibility with features such as ADA-compliant entrances and ramps, ensuring that everyone can visit us without hassle.

Join Us Today!

We're excited to welcome both new and existing members! If you have any questions or need assistance, feel free to give us a call at 320-632-6679. Visit us today at Mid Minnesota Federal Credit Union in Little Falls your friendly neighborhood credit union!

Operating Hours and Services

At Mid Minnesota Federal Credit Union, we want to be there when you need us. Our lobby hours are Monday through Friday from 8:30 AM to 5:00 PM, while our drive-thru service opens even earlier at 7:30 AM and closes at 5:30 PM. This way, you can choose the most convenient time for your visit! We offer a wide range of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans and mortgage refinancing, our friendly staff is ready to assist you. Need quick cash? Take advantage of our ATM services available on-site or use our drive-thru for simple transactions like deposits and withdrawals.

Member Eligibility

At Mid Minnesota, we believe that becoming a member means joining a warm and welcoming community that supports your financial journey. If you're wondering how to become part of our family, it's quite simple! We invite individuals who live, work, or worship in the area to join us at our branch located at 307 1St St Se Little Falls Mn 56345. By choosing us, you'll gain access to a variety of benefits, including competitive rates on loans and savings accounts, personalized service, and a range of financial products tailored just for you. To learn more about the specific eligibility criteria and ensure you meet them, please visit our detailed page. Once you're ready to open an account with us, the process is straightforward and convenient. You can find all the information you need about opening an account by visiting https://www.mmfcu.org/business/lending/. If you have any questions or need assistance, don't hesitate to give us a call at (320) 632-6679. We're excited to welcome you into the Mid Minnesota family!

Business Banking & Commercial Services

Business Loans That Empower Growth

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 for Everyday Needs

In addition to loans, our merchant services are crafted to help you manage daily transactions with ease. Imagine having a reliable partner who streamlines your payment processes, allowing you to focus more on serving your customers. From card processing to online payment solutions, we've got what you need to keep your business running smoothly. At Mid Minnesota, we're here to provide the financial tools and support you need to thrive. Visit us at 307 1St St Se Little Falls Mn 56345 or call us at (320) 632-6679 to learn more about how we can help your business succeed!

Comprehensive List Of Services

Business Banking

For our business members, we offer tailored solutions such as merchant services and business loans. We understand that running a business involves many moving parts, so we are here to help streamline your financial processes.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your finances from anywhere at any time. Whether it's checking your balance or transferring funds, our digital tools make it easy for you to stay on top of your financial goals. Additionally, we provide access to ATMs for cash withdrawals and essential transactions, ensuring you're never left without access to your funds. With our basic drive-thru banking service, simple transactions such as deposits and withdrawals can be done quickly and efficiently without needing to leave your car.

Get in Touch!

We invite you to explore all that Mid Minnesota has to offer! If you're interested in opening an account or want more information about any of our services, feel free to reach out at (320) 632-6679 or visit us at our branch located in Little Falls, MN. Join us today and experience a better way to bank!

Personal Banking

Managing your finances shouldn't be complicated. That's why we offer personal banking options such as checking and savings accounts designed to help you save and manage your money effectively. Imagine having a checking account that not only simplifies your daily transactions but also helps you build your savings effortlessly. For those dreaming of owning a vehicle, our auto loans and vehicle financing options make it easier than ever to hit the road without breaking the bank. Need a home? Our mortgage loans and refinancing services can guide you through the process, ensuring that you find the right fit for your budget. If you find yourself in need of quick cash, our personal loans and debt consolidation options can provide the relief you need, allowing you to tackle unexpected expenses with ease. Plus, with our credit cards featuring rewards, every purchase brings you closer to exciting benefits.

Shared Services

As part of our commitment to community banking, we also offer basic shared branch transactions for members of partner credit unions. This means if you're traveling or just away from home, you can still access your funds easily.

Digital & Online Banking

Key Features

One of the standout features is our mobile application, which allows you to bank on the go. Whether you're out running errands or relaxing at home, you can access your accounts right from your smartphone. Our app also supports mobile payments, making it simple to make purchases quickly and securely. For those who prefer paperless options, we provide e-statements that keep all your financial information organized and easily accessible online. Say goodbye to cluttered mailboxes! Additionally, we have enabled electronic signature authorization, making it easy for you to sign documents digitally no more printing or scanning required. Need to send money to friends or family? With our person-to-person transfers, you can quickly send funds directly from your account without hassle. This feature makes splitting bills or sending gifts effortless.

Security and Support

Your security is our top priority. Our online banking platform uses advanced encryption technology to protect your personal information, so you can feel confident every time you log in. If you ever need assistance, our friendly team is just a phone call away at (320) 632-6679. At Mid Minnesota, we're committed to providing you with the tools you need for effective account management while ensuring a safe and user-friendly experience. Discover how easy banking can be by exploring our digital services today!

Financial Strength

A Strong Foundation

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.

Commitment to Growth

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. In addition, our lending capacity is robust; with $16,563 in used auto loans and $605,612,569 in total loans and leases, we support members' financial goals across various sectors.

Focused on Members

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. Our goal is to enhance your financial experience every step of the way.

Operational Efficiency

Our $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.

Secure Savings

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. This commitment ensures that your hard-earned money is protected while you enjoy attractive returns.

Trusted Partnership

Net Shares (Funds available for lending and investments): $5,874,579. Total Share and Deposit Accounts: 121,489, show 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 307 1St St Se Little Falls Mn 56345 or call (320) 632-6679 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Options

In addition to these products, we offer various refinancing options for existing loans and eligibility assessments to help you explore what fits best for your situation. Our commitment is to serve you better each day. For any inquiries or assistance regarding our loan products, please feel free to contact us at (320) 632-6679 during our operating hours: Monday - Friday from 8:30 AM to 5:00 PM. You can also visit us online at https://www.mmfcu.org// for more information on how we can assist you further. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Mid Minnesota, we're more than just a credit union; we're your partner in navigating your financial journey.

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. Whether you're looking for financing for a brand-new model or a reliable used vehicle, we have options that can make your purchase easier.

Business Loans

For business owners, our outstanding commercial loans totaling $39,026,967 provide the capital needed to grow and expand. We believe in supporting local businesses and providing them with the resources necessary to thrive.

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. We aim to provide clear guidance through the mortgage process so you can focus on making your house a home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $11,452,566 in loans helping members manage their finances effectively. This option can be ideal for those looking to consolidate debt or cover unexpected expenses without using collateral.

Loan Aggregator

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MID MINNESOTA FEDERAL CREDIT UNION - Little Falls, MN

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

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