Credit union · NCUA insured
Mid Minnesota Federal Credit Union Savings Rates
Top CarrotMid Minnesota Federal Credit Union’s best savings rate is 5.00% APY on $10,000, with its Estate Savings. Rates checked October 16, 2026.
How Mid Minnesota Federal Credit Union’s savings 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
5.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $500
Estate Savings
2nd-highest rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
3rd-highest rate
Pine River State Bank
3.04%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $304
Mid Minnesota Federal Credit Union savings score
99
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0005.00%
- $10,000 balance$10,0005.00%
- $100,000 balance$100,0005.00%
- QualifiedQualified5.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Estate Savings
5.00%APY
Designed to hold inheritance or life insurance proceeds while determining next steps.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 5.00% | $500 |
High Yield Savings Account
0.07%APY
Not available for business accounts. $15 service fee if minimum balance is not maintained. $10 fee for each withdrawal or transfer beyond six per monthly statement period.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $75,000Earned if balance falls below $75,000; $15 service fee applies if minimum balance is not maintained. | 0.07% | $7 | Earned if balance falls below $75,000; $15 service fee applies if minimum balance is not maintained. |
| $75,000 – $199,999 | 3.25% | — | |
| $200,000 and up | 3.40% | — |
Kasasa Saver
Up to 2.50%APY
Must be linked to a Kasasa Cash or Kasasa Cash Back checking account. Limit 1 account per social security number.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $35,000Requires meeting linked Kasasa checking qualifications per Monthly Qualification Cycle (at least 1 direct deposit/ACH debit/credit, 12 debit card purchases, and e-statements). | 2.50% | $250 | Requires meeting linked Kasasa checking qualifications per Monthly Qualification Cycle (at least 1 direct deposit/ACH debit/credit, 12 debit card purchases, and e-statements). |
| Any balanceApplies to entire balance when linked Kasasa checking qualifications are not met during a Monthly Qualification Cycle. | 0.01% | $1 | Applies to entire balance when linked Kasasa checking qualifications are not met during a Monthly Qualification Cycle. |
| Over $35,000Applies to portion of balance over $35,000 when linked Kasasa checking qualifications are met (blended APY ranges 2.50% to 0.62%). | 0.15% | — | Applies to portion of balance over $35,000 when linked Kasasa checking qualifications are met (blended APY ranges 2.50% to 0.62%). |
Sources (3)
- mmfcu.org/everyday-banking/savings
- mmfcu.org/rates
- cdn.mmfcu.org/mid-minnesota-fe…avings-kasasa-092026.pdf
All captured Oct 16, 2026
Money Market Savings
0.07%APY
Dividends are compounded and paid monthly. Maximum of six transactions a month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Below $25,000 balance | 0.07% | $7 | Below $25,000 balance |
| $25,000 – $49,999$25,000-$49,999 balance | 1.35% | — | $25,000-$49,999 balance |
| $50,000 – $99,999$50,000 – $99,999 balance | 1.45% | — | $50,000 – $99,999 balance |
| $100,000 – $249,999$100,000 – $249,999 balance | 1.55% | — | $100,000 – $249,999 balance |
| $250,000 and upOver $250,000 balance | 1.65% | — | Over $250,000 balance |
WINcentive Savings
0.10%APY
Offers prize drawing entries in return for each time month-over-month savings balance is increased by $25 (up to 4 entries per month).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
All captured Oct 16, 2026
Savings (Regular Share)
0.05%APY
Share savings account required with membership or checking account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Special-purpose accounts
YES (Youth Education Savings)
0.05%APY
Limit one account per social security number. Parent or guardian required if under 18.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500 | 3.00% | — | |
| Over $500Applies to the portion of balance over $500 (blended APY ranges 0.05% to 3.00% / .79-3.00%). | 0.05% | $5 | Applies to the portion of balance over $500 (blended APY ranges 0.05% to 3.00% / .79-3.00%). |
Sources (3)
All captured Oct 16, 2026
Health Savings Accounts (HSA)
0.30%APY
Must be linked to a high-deductible health plan (HDHP). Used for qualified medical expenses.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $4,999 | 0.20% | — |
| $5,000 – $9,999 | 0.25% | — |
| $10,000 – $24,999 | 0.30% | $30 |
| $25,000 and up | 0.35% | — |
Sources (3)
- mmfcu.org/everyday-banking/savings
- mmfcu.org/everyday-banking/sav…s/health-savings-account
- mmfcu.org/rates
All captured Sep 18, 2026
Floating IRA Savings (Traditional, Roth & Education)
0.10%APY
Includes Traditional, Roth, and Education IRA wrappers.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $9,999 | 0.10% | — |
| $10,000 – $49,999 | 0.10% | $10 |
| $50,000 and up | 0.15% | — |
Sources (1)
- mmfcu.org/rates · captured Sep 18, 2026
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.