Mid Minnesota Credit Union Pequot Lakes MN | Best Auto Loans & Business Banking

Introduction

Welcome to Mid Minnesota Federal Credit Union, your trusted partner in financial wellness since 1970. Located at 30563 Patriot Ave, Pequot Lakes, MN 56472, our branch is dedicated to serving the community with integrity and care. With a total membership of 63,620 and assets exceeding $755 million, we pride ourselves on offering personalized banking solutions that truly meet your needs. At Mid Minnesota, we understand that every member's journey is unique. Whether you're looking for a competitive auto loan from our portfolio of over 33,612 loans and leases, or you want to grow your savings with our diverse deposit options totaling $79,188,286, we have something for everyone. Our commitment to financial education ensures that you can make informed choices about your money. While you can visit us at our Pequot Lakes branch, please note that official correspondence should be sent to our mailing address at 13283 Isle Dr, Baxter, MN 56425-8554. Our friendly team is here to assist you during our lobby hours from 8:30 AM to 5:00 PM Monday through Friday, and we also offer drive-thru service starting as early as 7:30 AM. Led by CEO Bob Gerads and Board President Greg Lange, our team of 172 employees works tirelessly to provide exceptional service while maintaining a net worth of over $66 million. We believe in investing back into the community and supporting local initiatives that uplift us all. Explore the many services we offer from personal banking and mortgages to business loans and online banking options designed with you in mind. If you have questions or need assistance, don't hesitate to reach out at 218-568-8450. We invite you to visit us or check out our website at mmfcu.org to learn more about how we can help you achieve your financial goals. Join us in building a brighter financial future together!

Branch History & Mission

A Legacy of Service

Over the years, Mid Minnesota has evolved significantly. From our humble beginnings, we've built a strong foundation based on trust, transparency, and member-focused service. With total assets now exceeding $755 million, we remain committed to offering a wide range of services that cater to the unique needs of our members. Our growth reflects not just numbers but the relationships we've forged with the people we serve.

Community-Centric Services

To enhance your banking experience, we offer comprehensive services including personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking options. With features like online and mobile banking available 24/7, managing your finances has never been easier. Plus, our ATM availability and drive-thru service provide added convenience for those on the go. While members can visit us at 30563 Patriot Ave, official correspondence should be sent to 13283 Isle Dr., Baxter, MN 56425-8554. Our team is here during operating hours from Monday to Friday, with lobby hours from 8:30 AM to 5:00 PM and drive-up service available from 7:30 AM to 5:30 PM.

Join Us!

As we continue this journey together, we invite you to become part of the Mid Minnesota family. Experience firsthand how our commitment to excellent service can make a difference in your life. Discover all that we have to offer by visiting our website at Mid Minnesota Federal Credit Union or call us at 218-568-8450 today! Join us in making Pequot Lakes an even better place to live and thrive!

Our Mission

At Mid Minnesota Federal Credit Union, our mission is clear: to empower our members through exceptional financial services while fostering a sense of community. We believe that everyone deserves access to quality banking solutions that can help them achieve their dreams whether it's purchasing a new home, financing a vehicle, or simply saving for the future. Our dedication goes beyond just banking; we actively participate in local initiatives and outreach programs that support our neighborhoods and improve lives. By partnering with local organizations and schools, we aim to create lasting positive impacts within Pequot Lakes and surrounding areas.

Branch Location & Accessibility

A Community-Focused Banking Experience

At Mid Minnesota Federal Credit Union, we are committed to serving our members with personalized attention and community spirit. We also offer shared service center transactions for members of partner credit unions, making it easier for everyone in the area to manage their finances without hassle. If you have any questions or need assistance, don't hesitate to give us a call at 218-568-8450. We invite you to visit us today and discover how we can help meet your financial goals!

Convenient Access and Features

Our branch offers ample parking and is designed with accessibility in mind, featuring ramps and ADA-compliant entrances to ensure everyone can visit us with ease. If you prefer to use your vehicle for quick transactions, we also have a drive-thru service available from 7:30 AM to 5:30 PM on weekdays. For those who love convenience, we provide ATM services so you can access cash when you need it. While members can visit us at our Pequot Lakes location, any official correspondence should be directed to our mailing address at 13283 Isle Dr, Baxter, MN 56425-8554.

Operating Hours

We're here for you Monday through Friday, with lobby hours from 8:30 AM to 5:00 PM. Our friendly staff is ready to assist you during these hours with a range of services that include personal banking solutions like checking and savings accounts, auto loans, mortgage loans, and more.

Member Eligibility

At Mid Minnesota, we're excited to welcome new members into our friendly community! Becoming a member is simple and open to anyone who lives, works, or worships in the area. We believe that everyone deserves access to quality financial services and support. You can find more details about eligibility on our website. Joining us means you'll enjoy a range of benefits including competitive rates on loans and savings, personalized service, and a commitment to helping you achieve your financial goals. Ready to take the next step? Opening an account is straightforward! Just visit us at our branch located at 30563 Patriot Ave Pequot Lakes Mn 56472 or check out our account opening process online at https://www.mmfcu.org/business/lending/. If you have any questions, feel free to give us a call at (218) 568-8450. We can't wait for you to join us and experience all the advantages of being part of the Mid Minnesota family!

Business Banking & Commercial Services

Commercial Loans for 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 That Make a Difference

Imagine being able to accept payments easily from your customers, no matter how they choose to pay. Our merchant services provide the tools you need to manage transactions efficiently, helping you focus on what matters most growing your business. Whether it's credit card processing or online payment solutions, we offer practical benefits that enhance your customer experience. Located at 30563 Patriot Ave Pequot Lakes Mn 56472 in Pequot Lakes, MN, our team is ready to partner with you on your journey to success. Contact us today at (218) 568-8450 or visit our website for more information!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Enjoy easy access with our ATM services, available at multiple locations for quick withdrawals and balance checks without any hassle.

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing solutions make it easy to drive away in your dream vehicle. We provide competitive rates that can help you save on monthly payments, allowing you to enjoy your new ride without breaking the bank.

Business Banking

For entrepreneurs and business owners in our community, we provide specialized business banking services including merchant services and business loans. Whether you're launching a startup or expanding an existing operation, we have tailored solutions to support your business growth.

Credit Cards with Rewards

Our credit cards with rewards offer more than just spending power; they give back! Earn points on every purchase that you can redeem for travel, gift cards, or cash back. This card is perfect for everyday purchases and can help maximize your spending.

Drive-Thru Banking

For those who prefer face-to-face interactions but want efficiency too, our drive-thru banking allows you to handle deposits and withdrawals quickly without leaving your car.

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans and refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our experienced team will guide you through the process. Let us help you find a plan that suits your financial situation.

Online & Mobile Banking

In today's fast-paced world, convenience is key. With our online and mobile banking platforms, managing your accounts has never been easier. Check balances, transfer funds, pay bills, and deposit checks right from your smartphone or computer anytime and anywhere!

Personal Banking

For those looking to manage everyday expenses or save for the future, we offer various personal banking services. Open a checking or savings account with us and enjoy the peace of mind that comes from knowing your money is secure and accessible. With options tailored for both short-term needs and long-term savings, you can find an account that fits your lifestyle.

Personal Loans & Debt Consolidation

If life throws unexpected expenses your way, our personal loans can provide the financial relief you need. Additionally, if you're juggling multiple debts, consider our debt consolidation options. We can help streamline your payments into one manageable loan with potentially lower interest rates.

Shared Branch Transactions

As part of a larger network of credit unions, we offer shared branch transactions so members from partner credit unions can access basic services like deposits and withdrawals at our location. We invite you to experience all that Mid Minnesota has to offer at our branch located at 30563 Patriot Ave Pequot Lakes Mn 56472 in Pequot Lakes, MN. For any inquiries or assistance with opening an account, feel free to call us at (218) 568-8450. Join us today and take control of your financial future!

Digital & Online Banking

Key Features

Our online banking platform is available 24/7 at https://www.mmfcu.org//, allowing you to view your account balances, transfer funds, and pay bills from the comfort of your home or on the go. If you're looking for a quick way to send money to friends or family, our person-to-person transfer feature makes it simple and hassle-free. You can also enjoy the peace of mind that comes with knowing your sensitive information is protected. We offer electronic signature authorization, which means you can securely sign documents without needing to visit a branch. Plus, with e-statements available, you can keep track of your financial activity while reducing paper clutter.

Mobile Access

For those who prefer banking on their smartphones, our mobile application is designed to meet your needs. You can easily manage your accounts and even make mobile payments directly from your phone. Whether you're shopping or splitting a bill with friends, paying has never been more convenient. With real-time account management and user-friendly features, Mid Minnesota puts the power of banking in your hands. Experience the ease and security of digital banking with us today!

Financial Strength

A Growing Community

Total Share Accounts stand at 121,489, showcasing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $5,874,579, reinforcing our ability to support you on your financial journey. 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 30563 Patriot Ave Pequot Lakes Mn 56472 or call (218) 568-8450 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.

Investment in Your Future

With $59,916,375 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. Our capacity to support your financial goals is further highlighted by our $16,563 in used auto loans and $605,612,569 in total loans and leases. Our operational efficiency is reflected in our $2,294,730, which enables us to keep 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 ready to assist you with a knowledgeable team committed to your needs.

Member-Centric 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 shows how we prioritize your financial success over traditional banking practices. Unlike traditional banks, we focus our resources on benefiting you. With non-member deposits at $0, we ensure that our services translate into better loan rates, lower fees, and exclusive perks tailored for our members.

Strong Financial Health

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. This solid foundation empowers us to meet your needs efficiently and effectively. Our net worth ratio of 8.78% demonstrates a robust capital position, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

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. Whether you're interested in financing a brand-new vehicle or a reliable used car, we have options tailored for both situations.

Business Loans

For business owners, our outstanding commercial loans totaling $39,026,967 provide the capital needed to grow and expand. We recognize the challenges entrepreneurs face and aim to support them with financial solutions that help their businesses 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 also offer competitive rates and flexible terms to fit your budget.

Refinancing Options

If you're looking to adjust your current loan terms or lower your monthly payments, we offer refinancing options across various loan types. This can be especially beneficial for those looking to reduce interest rates on existing debts. Our team at Mid Minnesota, located at 30563 Patriot Ave Pequot Lakes Mn 56472, Pequot Lakes, MN 56472, is ready to assist you with any questions you may have about our loan offerings. Feel free to give us a call at (218) 568-8450 during our operating hours: Monday - Friday Lobby: 8:30 am - 5:00 pm and Drive Up: 7:30 am - 5:30 pm. 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 online at Mid Minnesota Federal Credit Union for more details on how we can help you reach your financial aspirations!

Unsecured Credit Cards

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. Whether you need to cover unexpected expenses or want to consolidate debt, our credit cards come with rewards and benefits that add value to your spending.

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MID MINNESOTA FEDERAL CREDIT UNION - Pequot Lakes, MN

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