Mid Minnesota Credit Union Staples MN | Affordable Vehicle Loans & ATM Access

Introduction

Welcome to Mid Minnesota Federal Credit Union, your trusted financial partner located at 1220 4th St NE, Staples, MN 56479. Since our establishment in 1970, we have been dedicated to serving our community with integrity and commitment. With a robust membership of over 63,620 individuals, we pride ourselves on being more than just a credit union; we are a vital part of the lives of those in our community. Our total assets amount to an impressive $755,038,729, reflecting our stability and reliability. We understand the importance of financial security, which is why we offer a wide range of services tailored to meet your needs. From auto loans and mortgages to personal banking solutions, we have you covered. Currently, our total loans stand at 33,612, and our deposits total $79,188,286, ensuring that your funds are secure with us. At Mid Minnesota Federal Credit Union, we believe in fostering strong relationships with our members. Our leadership team, led by CEO Bob Gerads and Board President Greg Lange, is dedicated to providing exceptional service and guidance as you navigate your financial journey. You can trust us to be there for you every step of the way. While members can visit us at our Staples branch for all their banking needs, official correspondence should be directed to our mailing address: 13283 Isle Dr, Baxter, MN 56425-8554. We invite you to explore what we have to offer! Visit our website at mmfcu.org or give us a call at 218-894-2463. Join us today and discover how Mid Minnesota Federal Credit Union can help you achieve your financial goals while making a positive impact in the community!

Branch History & Mission

Commitment to Technology and Community

In today's fast-paced world, we understand the importance of convenience and accessibility. That's why we offer robust online and mobile banking options so you can manage your finances anytime, anywhere. Our services include electronic signatures, e-statements, mobile payments, and person-to-person transfers everything you need at your fingertips! We're also committed to giving back to the communities we serve. Through partnerships with local organizations and outreach programs, we actively participate in initiatives that promote financial literacy and support those in need. If you're looking for a credit union that prioritizes its members' needs while making a positive impact in the community, look no further than Mid Minnesota Federal Credit Union. Join us today and experience the benefits of being part of a family-oriented institution that truly cares about your financial well-being! For more information or to open an account, call us at (218) 894-2463 or visit our website at Mid Minnesota FCU.

Our Mission

Our mission at Mid Minnesota is simple yet powerful: we strive to empower our members by providing them with affordable financial solutions while fostering a sense of community. We believe that everyone deserves access to quality financial services that help them achieve their goals. By focusing on member satisfaction and community support, we aim to build lasting relationships based on trust and mutual respect. While members can visit us at 1220 4Th St Ne Staples Mn 56479, official correspondence should be sent to 13283 Isle Dr, Baxter, MN 56425-8554. This ensures that your communication reaches us without delay.

Branch Location & Accessibility

Accessibility and Services

We understand that convenience matters. That's why we offer ample parking space and ensure our facilities are ADA compliant, featuring ramps for easy access. Need cash? We have an ATM available on-site for your convenience. For those who prefer the ease of drive-thru banking, we're pleased to provide that option as well. You can take care of deposits, withdrawals, and other simple transactions without leaving your vehicle. Our operating hours are designed to fit your schedule: the lobby is open Monday through Friday from 8:30 AM to 5:00 PM, while the drive-thru service extends from 7:30 AM to 5:30 PM. This gives you plenty of time to stop by before or after work!

Get in Touch

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 mortgages. If you have any questions or would like more information about what we offer, please don't hesitate to call us at 218-894-2463. We invite you to come visit us today and discover how we can help you achieve your financial goals!

Member Eligibility

At Mid Minnesota, we believe that everyone deserves to be part of a caring and supportive financial community. Joining us as a member is simple and welcoming! If you're a resident, employee, or even a student in the areas we serve, you can easily become part of our family. We're here to help you achieve your financial goals with personalized services and friendly support. To get started, just visit our website for more detailed information on eligibility criteria. If you have any questions or need assistance, feel free to give us a call at (218) 894-2463. Opening an account is straightforward and can be done through this link: https://www.mmfcu.org/business/lending/. We can't wait to welcome you to Mid Minnesota, located at 1220 4Th St Ne Staples Mn 56479, where your financial journey begins!

Business Banking & Commercial Services

Merchant Services That Make Sense

Beyond loans, we provide comprehensive merchant services designed to streamline your operations. Whether you're a retailer needing point-of-sale solutions or a service provider looking for easy payment options, our services simplify transactions and enhance customer satisfaction. By choosing Mid Minnesota, you're not just getting banking services; you're gaining a partner dedicated to your success. Visit us at 1220 4Th St Ne Staples Mn 56479 in Staples, MN or call us at (218) 894-2463 to explore how we can help your business grow!

Our Commitment to Business 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.

Comprehensive List Of Services

Convenient Access Anytime

At Mid Minnesota, convenience is key. Our ATM & cash withdrawal services are available around the clock so you can access your money whenever needed. Plus, our basic drive-thru banking allows for quick transactions without leaving your car perfect for busy days! We also proudly participate in shared branch transactions, which means members of partner credit unions can deposit or withdraw funds at our location making banking even more accessible.

Empowering Your Business

For our business-minded members, we offer comprehensive business banking services, including merchant services and business loans designed to help you grow. Whether you're starting a new venture or expanding an existing one, we have resources to support your journey.

Home Sweet Home Financing

For those ready to settle into their dream home, we offer mortgage loans and refinancing solutions that cater to various needs. Our experienced team will guide you through the process, ensuring you find the best rates available. With us by your side, owning a home can be within reach sooner than you think.

Join Us Today!

Ready to explore all these great services? We invite you to visit us at 1220 4Th St Ne Staples Mn 56479 or give us a call at (218) 894-2463. Our friendly staff is eager to assist you with any questions or concerns regarding our offerings. Experience the difference with Mid Minnesota Federal Credit Union, where we prioritize your financial well-being!

Personal Banking Made Simple

Managing your finances shouldn't be a hassle. With our checking and savings accounts, you can easily keep track of your money while earning interest on your savings. Imagine being able to access your funds anytime through our convenient online and mobile banking options. You can check balances, transfer funds, and pay bills right from your smartphone. If you're thinking about purchasing a new car, our auto loans and vehicle financing options offer competitive rates that make it easier than ever to drive off with the vehicle you want. Picture yourself on the road with a reliable car that fits both your budget and lifestyle.

Support for Your Dreams

Sometimes life brings unexpected expenses or opportunities that require extra funds. Our personal loans and debt consolidation services provide flexibility when you need it most. Picture consolidating multiple debts into one manageable payment, freeing up your finances for what truly matters. And let's not forget about rewarding spending! Our credit cards with rewards make every purchase count towards exciting benefits and cashback, making it easier for you to treat yourself while managing expenses.

Digital & Online Banking

Key Features

Our online banking platform at https://www.mmfcu.org// allows you to view your account balances, transfer funds, and pay bills with just a few clicks. With 24/7 online banking services, you can stay connected to your finances around the clock, ensuring that you're always in control. We also provide e-statements for those who prefer a paperless option. By opting for e-statements, you can easily access your financial information without cluttering your mailbox. If you're looking for quick and easy ways to send money, our person-to-person transfer feature lets you send funds directly to friends or family using just their email or phone number no need for cash or checks. For those who are always on the move, our mobile application is a game-changer. It offers all the features of online banking right in your pocket. Plus, with our mobile payments option, you can make purchases directly from your smartphone, adding another layer of convenience to your daily life.

Security and Ease of Use

Your security is our priority. With electronic signature authorization, signing important documents has never been safer or more straightforward. You can complete transactions securely from anywhere without the hassle of printing or mailing forms. Navigating our digital services is simple and user-friendly, ensuring that everyone regardless of tech-savviness can manage their accounts with ease. With Mid Minnesota, enjoy the peace of mind that comes from having complete control over your finances right at your fingertips!

Financial Strength

Dedicated Team

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. Total Share and Deposit Accounts stand at 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 1220 4Th St Ne Staples Mn 56479 or call (218) 894-2463 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our commitment to supporting your financial goals is evident with $16,563 in used auto loans and $605,612,569 in total loans and leases. This lending capacity allows us to assist members across various sectors while maintaining a secure financial position.

Reinvesting 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 our members better. Our $2,294,730 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Secured 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. 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.

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. 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.

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 provide financing options for both new and used vehicles, ensuring you find the right fit for your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $39,026,967 provide the capital needed to grow and expand. We're committed to supporting local businesses and helping them thrive. If you're interested in any of our loan products or want to explore refinancing options, feel free to reach out! You can contact us at (218) 894-2463, visit us at 1220 4Th St Ne Staples Mn 56479, or check out our website at https://www.mmfcu.org// for more information. 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 here to help you navigate your financial journey with confidence.

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.

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. These cards come with rewards and no collateral requirements, giving you peace of mind while making purchases.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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MID MINNESOTA FEDERAL CREDIT UNION - Staples, MN

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

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