Mid Minnesota Credit Union Wadena MN | Quick Personal Loans & Drive-Thru Banking

Introduction

Welcome to Mid Minnesota Federal Credit Union, your trusted financial partner in the heart of Wadena, MN. Established in 1970, we have proudly served our community for over five decades, building lasting relationships with our 63,620 members. Our branch, located at 125 Juniper Ave, Wadena, MN 56482, is dedicated to providing personalized service and a range of financial solutions tailored to meet your needs. At Mid Minnesota, we believe that everyone deserves access to quality financial services. With total assets amounting to an impressive $755,038,729 and total deposits reaching $79,188,286, we are committed to ensuring that your money is safe and growing. Our leadership team, led by CEO Bob Gerads and Board President Greg Lange, works tirelessly to foster a member-centric culture that emphasizes trust and community impact. While you can visit us at our Wadena branch for all your banking needs, please note that official correspondence should be sent to our mailing address at 13283 Isle Dr, Baxter, MN 56425-8554. We offer a wide array of services including checking and savings accounts, auto loans, mortgages, and business banking solutions. With a total loan portfolio of 33,612 loans and leases under management, we are here to support you every step of the way. Whether you're looking to open a new account or apply for a loan, our friendly staff is ready to assist you. Feel free to reach out by calling us at 218-631-1401 or visit our website at Mid Minnesota Federal Credit Union for more information. Join us in building a brighter financial future together!

Branch History & Mission

Join Us

As we continue this journey together with you as part of our community, we invite you to join Mid Minnesota Federal Credit Union. Experience firsthand the benefits of membership and see how we can help support your financial goals. Together, let's build a brighter future!

Our Mission

At Mid Minnesota Federal Credit Union, our mission is clear: we exist to improve the financial well-being of our members and the communities we serve. We believe in fostering a culture of support where everyone has access to affordable financial products and services. Our commitment extends beyond just transactions; we actively engage in community outreach efforts that strengthen local ties and promote economic growth. We are also proud to be ADA compliant and committed to making sure that all members can access our services comfortably. Whether it's through our drive-thru banking or shared service center options available for partner credit union members, we're dedicated to providing an inclusive experience for everyone. While you can visit us at 125 Juniper Ave, official correspondence should be directed to 13283 Isle Dr, Baxter, MN 56425-8554 if necessary. For any inquiries or assistance, feel free to reach out at 218-631-1401 during our operating hours: Monday through Friday from 8:30 AM - 5:00 PM for lobby services and 7:30 AM - 5:30 PM for drive-thru.

Our Story

Located at 125 Juniper Ave, Wadena, MN 56482, our branch is easily accessible and sits in a vibrant community surrounded by local businesses and friendly faces. Since our inception, we have focused on building strong relationships with our members while providing exceptional financial services. From auto loans to personal banking and business financing, every service we offer is designed with our members' best interests in mind. Our journey has been marked by significant milestones, including the introduction of digital banking solutions that empower our members to manage their finances conveniently from anywhere. With features like online banking and mobile payments, we strive to meet the modern demands of financial management while ensuring accessibility for all.

Branch Location & Accessibility

Accessibility and Convenience

At our branch, we prioritize accessibility for all members. Our building is ADA compliant, featuring ramps and designated parking to ensure everyone can visit us comfortably. For those who prefer a quicker transaction, our drive-thru service allows you to handle deposits and withdrawals without leaving your car. Plus, with ATM availability on-site, accessing cash is just a moment away.

Additional Services

While you're here, explore the wide range of services we offer. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. If you're a member of another participating credit union, feel free to utilize our shared service center for deposits and withdrawals too! If you need any assistance or have questions about what we can do for you, don't hesitate to give us a call at 218-631-1401. We look forward to welcoming you at Mid Minnesota Federal Credit Union!

Operating Hours

We understand that life can be busy, which is why our operating hours are designed with your schedule in mind. Visit us Monday through Friday for lobby hours from 8:30 AM to 5:00 PM and take advantage of our drive-thru service starting as early as 7:30 AM until 5:30 PM. Whether you need personal banking assistance or have questions about loans and services, our friendly staff is here to help during these hours.

Member Eligibility

At Mid Minnesota, we believe in building a community where everyone can thrive together. Joining us is simple and welcoming! If you live, work, or go to school in the Wadena area, you're likely eligible to become a member. We open our doors to anyone who shares our values of cooperation and support. By becoming a member of Mid Minnesota, you'll gain access to a variety of financial services tailored just for you, from personal loans to checking accounts that help you save more effectively. To learn about the detailed eligibility criteria. Once you're ready to take the next step, opening an account is easy just visit us at https://www.mmfcu.org/business/lending/ or give us a call at (218) 631-1401. Our friendly team is here to guide you through the process and answer any questions you might have. Let's start this journey together at Mid Minnesota, located at 125 Juniper Ave Wadena Mn 56482!

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 addition to loans, we offer comprehensive merchant services tailored for your needs. Imagine effortlessly processing payments from customers while keeping track of sales data all with reliable support from our team. Our merchant services allow you to focus on what matters most: running your business effectively and efficiently. Located at 125 Juniper Ave Wadena Mn 56482 in Wadena, MN, we're here to partner with you on your business journey. Reach out today at (218) 631-1401 to learn more about how our business banking and commercial services can empower your success!

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, you'll find valuable support through our business banking services as well. From merchant services that help streamline transactions to business loans designed to fuel growth, we're committed to helping local businesses thrive.

Convenient Access Anytime

We recognize the importance of convenience in today's fast-paced world. Our ATM and cash withdrawal services are available at numerous locations, allowing you quick access to your funds whenever necessary. For simple transactions like deposits and withdrawals, our basic drive-thru banking is ready to assist you without leaving your vehicle. We also participate in shared branching transactions, meaning members of partner credit unions can easily access their accounts right here at Mid Minnesota.

Get Started Today!

Ready to explore all that Mid Minnesota has to offer? We're excited to assist you with any questions or services you may need. Contact us at (218) 631-1401 or visit us at 125 Juniper Ave Wadena Mn 56482 in Wadena, MN. Let's work together towards achieving your financial dreams today!

Personal Banking Made Easy

Our personal banking services are tailored for your everyday needs. We offer checking and savings accounts that come with user-friendly features, making it simple for you to manage your finances. Imagine having easy access to your money whenever you need it through our convenient online and mobile banking platforms. With just a few taps, you can check balances, transfer funds, or pay bills from anywhere. When it comes to financing your next vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. Picture yourself driving off in that new car you've always wanted, all while knowing you're getting a great deal. Additionally, if you're thinking about buying a home or refinancing an existing mortgage, we offer mortgage loans that can fit various budgets and lifestyles.

Support for Your Financial Journey

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation options come into play. We understand how important it is to manage debt effectively, and our team is here to guide you through the process with personalized advice. For those who enjoy earning rewards on their purchases, check out our credit cards with rewards programs. Whether it's cash back on groceries or travel points for your next vacation, we've got something that fits everyone's lifestyle.

Digital & Online Banking

At Mid Minnesota, we understand that managing your finances should be easy and secure. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. Whether you're at home or on the go, accessing your accounts has never been simpler. With our online banking platform available at https://www.mmfcu.org//, you can check balances, transfer funds, and pay bills 24/7. Need to send money to a friend? Our person-to-person transfer feature makes it quick and hassle-free. Plus, our mobile application offers all these functions right from your smartphone, allowing you to bank anytime, anywhere. Security is a top priority for us. You can sign documents electronically with our electronic signature authorization feature, ensuring that your sensitive information remains protected while saving you time. Additionally, e-statements are available so you can keep track of your transactions without the clutter of paper statements. Want to make payments on the go? Our mobile payments feature lets you pay using just your phone making shopping easier than ever. Everything is designed with you in mind, providing real-time account management and accessibility at your fingertips. At Mid Minnesota, we strive to give you the tools you need for financial success while ensuring that banking is as convenient as possible. Explore our digital banking services today and experience how easy managing your money can be!

Financial Strength

Commitment to Growth and Innovation

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 members' financial goals across various sectors with $16,563 in used auto loans and $605,612,569 in total loans and leases.

Member-Centric Savings Options

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.

Operational Efficiency

Our operational efficiency is reflected in our $2,294,730, 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.

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.

Trusting Relationships with Members

Total Share and Deposit Accounts stand at 121,489, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $5,874,579, further enhancing our ability to meet your needs. 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 125 Juniper Ave Wadena Mn 56482 or call (218) 631-1401 to learn more about how we can help you achieve your financial goals.

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 model or a reliable used vehicle, we have options tailored to fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $39,026,967 provide the capital needed to grow and expand. We understand that every business has unique challenges, and our lending team is here to help create solutions that work for you. At Mid Minnesota, we are committed to supporting our members every step of the way. Whether you're looking for personal loans, mortgages, or business financing options, we're ready to assist you. For more information about our loan offerings or to start your application today, please contact us at (218) 631-1401 or visit us at 125 Juniper Ave Wadena Mn 56482 in Wadena, MN. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 provide various mortgage solutions that can be adjusted to meet your specific needs. If you're looking to refinance an existing mortgage, we can guide you through the eligibility process to ensure you get the best rates possible.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our flexible terms on unsecured credit card loans. We currently offer a total of $11,452,566 in loans to help our members manage their finances effectively. These cards come with competitive rates and rewards programs that can benefit you while keeping your spending in check.

Loan Aggregator

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MID MINNESOTA FEDERAL CREDIT UNION - Wadena, MN

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

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