Credit union · NCUA insured
Mid American Credit Union CD Rates
Mid American Credit Union’s best CD rate is 0.40% APY on a 1-year share certificate (CD). Terms run from 7 months to 37 months. Rates checked October 16, 2026.
How Mid American Credit Union’s CD rates compare
Compared with banks and credit unions near Wichita, KS, where Mid American Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mid American Credit Union
4.50%APY
- Term
- 37 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $1,454
Special Rate Certificate
Top rate
Stryv Bank
4.55%APY
- Term
- 30 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $1,177
3rd-highest rate
Heartland Credit Union
4.50%APY
- Term
- 48 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,925
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special Rate Certificate
Up to 4.50%APY · 4 terms
Members can use new or current MACU funds. Penalty for early withdrawal may apply. Fees could reduce earnings. Dividends calculated daily and paid monthly. Not offered on CESA certificates.
| Term | APY · $100 – $1,000,000 | APY · $1,000 – $1,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 7 monthsMinimum deposit: $1,000 (or $100 on Youth Account). Maximum deposit: $1,000,000. Renews as a regular 12-month certificate. Not offered on CESA certificates | — | 4.00% | 4.00% | $231 |
| 7 monthsYouth Account special rate. Primary member must be under age 25 and have a Youth Share Account. Maximum deposit $1,000,000. Renews as a regular 12-month certificate. Not offered on CESA certificates | 4.00% | — | 4.00% | $231 |
| 14 monthsMinimum deposit: $1,000 (or $100 on Youth Account). Maximum deposit: $1,000,000. Renews as a regular 12-month certificate. Not offered on CESA certificates | — | 4.20% | 4.20% | $492 |
| 14 monthsYouth Account special rate. Primary member must be under age 25 and have a Youth Share Account. Maximum deposit $1,000,000. Renews as a regular 12-month certificate. Not offered on CESA certificates | 4.20% | — | 4.20% | $492 |
| 23 monthsMinimum deposit: $1,000 (or $100 on Youth Account). Maximum deposit: $1,000,000. Renews as a regular 24-month certificate. Not offered on CESA certificates or Youth certificates | — | 4.30% | 4.30% | $840 |
| 37 monthsMinimum deposit: $1,000. Maximum deposit: $1,000,000. Renews as a regular 36-month certificate. Not offered on CESA certificates or Youth certificates | — | 4.50% | 4.50% | $1,454 |
Sources (3)
All captured Oct 5, 2026
PayDay Certificate
0.40%APY · 1 term
Special one-year certificate. Build up balance with automatic transfers from other Mid American accounts timed to payday. Requires a $10.00 minimum deposit transferred into the certificate at least monthly. Transfers may occur weekly, bi-weekly, semi-monthly or monthly and must come from a non-tax favored savings or checking account. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum opening deposit: $100. Requires $10.00 minimum deposit transferred at least monthly from a non-tax favored savings or checking account | 0.40% | $40 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Regular and Tax-Favored Certificates
Up to 0.60%APY · 7 terms
Certificate lengths range from 6 months to years. Regular Certificates may also be held in Traditional or Roth IRAs, SEPs, and Health Savings Accounts. Penalty for early withdrawal may apply. Fees could reduce earnings. Dividends calculated daily and paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.30% | $15 |
| 12 months | 0.40% | $40 |
| 18 months | 0.45% | $68 |
| 24 months | 0.50% | $100 |
| 36 months | 0.60% | $181 |
| 48 months | 0.60% | $242 |
| 60 months | 0.60% | $304 |
Sources (2)
All captured Oct 5, 2026
Preferred Youth Certificate
0.40%APY · 1 term
Special one-year certificate for young people up to age 24 (primary member must be under age 25 and have a Youth Share Account). Earns dividends at regular one-year Certificate rate. Minimum opening deposit $100. Additional deposits of $50 or more allowed at any time. Not available in IRAs. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum opening balance $100. Additions allowed ($50 minimum deposit). Primary member must be under age 25 and have a Youth Share Account | 0.40% | $40 |
Sources (2)
All captured Oct 5, 2026
Who can join Mid American Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in one of the 42 served Kansas counties are eligible to join.
Employers and groups
- Members of Consumer United Program and employees of a company that is a member of Consumer United Program are eligible to join.
- Employees and retirees of a company or organization with a permanent office in the state of Kansas are eligible to join.
Family and household
- Family members of a Mid American Credit Union member (spouse, parent, stepparent, grandparent, child, step-child, foster child, sibling, grandchild or former spouse) are eligible to join.
Cost to join
- Membership requires opening a Basic Membership Savings Account and making a small deposit.
Membership information collected October 4, 2026.