Credit union · NCUA insured
Mid Minnesota Federal Credit Union
Top CarrotA $833.9M credit union headquartered in Baxter, MN, with 67,210 members and 12 branches in Minnesota. Best rates: CDs 5.09% and savings 5.00% APY.
Mid Minnesota Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 97% of U.S. banks and credit unions
#1 of 12 in Brainerd, MN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Mid Minnesota Federal Credit Union
Mid Minnesota Federal Credit Union is a member-owned financial cooperative serving multiple counties, cities, and townships across central Minnesota.
The credit union expanded its service network by announcing an agreement to purchase Unity Bank's Clarissa, Minnesota branch.
- Headquarters
- 13283 Isle Dr, Baxter, MN 56425-8554
- NCUA charter
- 20194
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.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, worship, or attend school in Becker, Cass, Crow Wing, Douglas, Morrison, Norman, Otter Tail, Todd, and Wadena counties, or the cities of Aitkin, McGregor, and Palisade, or select townships in Aitkin County are eligible for membership.
Family and household
- Immediate family members (including spouse, parent, stepparent, child, stepchild, grandparents, grandchild, brother, stepbrother, sister, or stepsister) of someone eligible through the service area are eligible for membership.
Cost to join
- Membership account opening deposit starts with as little as $5.
Branches
12 branches in Minnesota
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Minnesota
12 branches
Brainerd area · 4
- Mid Minnesota Federal Credit UnionMain office13283 Isle Dr, Baxter, MN 56425Directions
- Mid Minnesota Federal Credit Union200 S 6th St, Brainerd, MN 56401Directions
- Mid Minneosta Federal Credit Union117 W Main St, Crosby, MN 56441Directions
- Mid Minnesota Federal Credit Union30563 Patriot Ave, Pequot Lakes, MN 56472Directions
Ada area · 1
- Mid Minnesota Federal Credit Union104 3rd Ave W, Ada, MN 56510Directions
Aitkin area · 1
- Mid Minnesota Federal Credit Union961 2nd St NW, Aitkin, MN 56431Directions
Alexandria area · 1
- Mid Minnesota Federal Credit Union405 50th Ave W, Alexandria, MN 56308Directions
Detroit Lakes area · 1
- Mid Minnesota Federal Credit Union1405 Highway 10 W, Detroit Lakes, MN 56501Directions
Fergus Falls area · 1
- Mid Minnesota Federal Credit Union1820 W Lincoln Ave, Fergus Falls, MN 56537Directions
Little Falls area · 1
- Mid Minnesota Federal Credit Union307 1st St SE, Little Falls, MN 56345Directions
Staples area · 1
- Mid Minnesota Federal Credit Union1220 4th St NE, Staples, MN 56479Directions
Wadena area · 1
- Mid Minnesota Federal Credit Union125 Juniper Ave, Wadena, MN 56482Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.30% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.43% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.18% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $92 | $76 | — |
- CapitalNet worth ratio9.30%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.43%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.18%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$92Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Mid Minnesota Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.