Credit union · NCUA insured
Mid Minnesota Federal Credit Union CD Rates
Top CarrotMid Minnesota Federal Credit Union’s best CD rate is 5.09% APY on a 3-year share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 16, 2026.
How Mid Minnesota Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Brainerd, MN, where Mid Minnesota Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mid Minnesota Federal Credit Union
5.09%APY
- Term
- 36 months
- Minimum
- $10
- Earns on $10,000
- $1,606
Fast Forward Certificate
2nd-highest rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
3rd-highest rate
Brainerd BN Credit Union
4.37%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $663
Mid Minnesota Federal Credit Union CD score
91
CD score
Higher than 92% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo5.09%
- QualifiedQualified5.09%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Mid Minnesota Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Fast Forward Certificate
5.09%APY · 1 term
Start certificate with as little as $10 or as much as $500, with a commitment to deposit $10 to $500 per month for the remainder of term. Must make minimum $10 monthly contribution to avoid a $10 penalty. Variable rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months$10 minimum at 36 months and requires a monthly deposit between $10 & $500. Must make a minimum $10 monthly contribution to avoid a $10 penalty. Variable rate | 5.09% | $1,606 |
Traditional Term Share Certificates
Up to 4.05%APY · 11 terms
Minimum deposit of $500. Terms vary from 3 to 48 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsNot available as an HSA or IRA | 1.35% | $34 |
| 6 months | 3.00% | $149 |
| 7 months7 Month Special | 3.85% | $223 |
| 10 months10 Month Special | 3.90% | $324 |
| 12 months | 3.10% | $310 |
| 13 months13 Month Special | 3.95% | $429 |
| 17 months17 Month Special | 4.05% | $579 |
| 18 months | 3.50% | $530 |
| 24 months | 3.50% | $712 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
Bump Certificates
3.35%APY · 2 terms
Allows adjusting rate one time during duration of investment if rates go up. One bump per term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months$5,000 minimum at 24 months with one bump per term | 3.35% | $681 |
| 36 months$5,000 minimum at 36 months with one bump per term | 3.35% | $1,039 |
Special-purpose accounts
Term Share Certificate (IRA)
Up to 4.05%APY · 10 terms
Earnings within Traditional IRAs are tax-deferred; earnings within Roth IRAs may be distributed tax-free; Coverdell education savings accounts generally not subject to federal taxes. 3-month term not available as IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.00% | $149 |
| 7 months7 Month Special | 3.85% | $223 |
| 10 months10 Month Special | 3.90% | $324 |
| 12 months | 3.10% | $310 |
| 13 months13 Month Special | 3.95% | $429 |
| 17 months17 Month Special | 4.05% | $579 |
| 18 months | 3.50% | $530 |
| 24 months | 3.50% | $712 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.50% | $1,475 |
Term Share Certificate (18Y)
Up to 3.50%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsYouth 0-18 years | 1.35% | $34 |
| 6 monthsYouth 0-18 years | 3.00% | $149 |
| 12 monthsYouth 0-18 years | 3.10% | $310 |
| 18 monthsYouth 0-18 years | 3.50% | $530 |
| 24 monthsYouth 0-18 years | 3.50% | $712 |
| 36 monthsYouth 0-18 years | 3.50% | $1,087 |
| 48 monthsYouth 0-18 years | 3.50% | $1,475 |
Add-On Term Share Certificate (TSC)
3.35%APY · 1 term
Ability to make additions to account before renewal with fixed rate of dividends. Can be opened as Traditional TSC, Traditional IRA, Roth IRA, or Education IRA. Minimum $500 additions.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months$2,500 minimum with $500 minimum additions at 36 months | 3.35% | $1,039 |
Who can join Mid Minnesota Federal 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, 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.
Membership information collected October 4, 2026.