Credit union · NCUA insured
MidWest America Federal Credit Union CD Rates
MidWest America Federal Credit Union’s best CD rate is 4.50% APY on a 13-month share certificate (CD), with extra requirements. Terms run from 1 month to 5 years. Rates checked October 15, 2026.
How MidWest America Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Fort Wayne, IN, where MidWest America Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MidWest America Federal Credit Union
2.45%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $121
Regular Share Certificate
Top rate
Public Service Credit Union
6.00%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $20
- Earns on $10,000
- $549
2nd-highest rate
GreenWay Bank
4.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $450
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate Special
4.50%APY · 1 term
This offer is valid September 23, 2026 through November 1, 2026 (rate schedule footnote 1 states through October 15, 2026). Minimum deposit of $500. No maximum deposit for standard share certificates. Penalty for early withdrawal. New money is not required for this special. Annual percentage yield (APY) based on monthly compounding. Relationship Perks do not apply to these special rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsDividend distribution monthly. Relationship Perks do not apply. Valid September 23, 2026 through November 1, 2026 (schedule footnote 1 states through October 15, 2026) | 4.50% | $488 |
Sources (3)
All captured Oct 15, 2026
Regular Share Certificate
Up to 2.45%APY · 10 terms
Minimum balance to open is $500. Penalty for early withdrawal. Relationship Perks: 0.20% APY boost available to members with an active checking account (Freedom, Benefits Plus, or Reward Checking) open for at least 30 days with a minimum of 5 transactions in the most recent month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm: 4 week. Dividend distribution at maturity | 0.03% | $0 |
| 3 monthsTerm: 13 week. Dividend distribution at maturity | 0.50% | $12 |
| 3 monthsTerm: 13 week. Dividend distribution at maturity. Requires Relationship Perks (active checking open >= 30 days with >= 5 transactions in most recent month) | 0.70% | $17 |
| 6 monthsTerm: 182 days. Dividend distribution monthly | 2.25% | $111 |
| 6 monthsTerm: 182 days. Dividend distribution monthly. Requires Relationship Perks (active checking open >= 30 days with >= 5 transactions in most recent month) | 2.45% | $121 |
| 12 monthsTerm: 12 month. Dividend distribution monthly | 2.25% | $225 |
| 12 monthsTerm: 12 month. Dividend distribution monthly. Requires Relationship Perks (active checking open >= 30 days with >= 5 transactions in most recent month) | 2.45% | $245 |
| 18 monthsTerm: 18 month. Dividend distribution monthly | 2.00% | $301 |
| 18 monthsTerm: 18 month. Dividend distribution monthly. Requires Relationship Perks (active checking open >= 30 days with >= 5 transactions in most recent month) | 2.20% | $332 |
| 24 monthsTerm: 24 month. Dividend distribution monthly | 1.75% | $353 |
| 24 monthsTerm: 24 month. Dividend distribution monthly. Requires Relationship Perks (active checking open >= 30 days with >= 5 transactions in most recent month) | 1.95% | $394 |
| 30 monthsTerm: 30 month. Dividend distribution monthly | 1.75% | $443 |
| 30 monthsTerm: 30 month. Dividend distribution monthly. Requires Relationship Perks (active checking open >= 30 days with >= 5 transactions in most recent month) | 1.95% | $495 |
| 36 monthsTerm: 36 month. Dividend distribution monthly | 1.75% | $534 |
| 36 monthsTerm: 36 month. Dividend distribution monthly. Requires Relationship Perks (active checking open >= 30 days with >= 5 transactions in most recent month) | 1.95% | $596 |
| 48 monthsTerm: 48 month. Dividend distribution monthly | 1.75% | $719 |
| 48 monthsTerm: 48 month. Dividend distribution monthly. Requires Relationship Perks (active checking open >= 30 days with >= 5 transactions in most recent month) | 1.95% | $803 |
| 60 monthsTerm: 60 month. Dividend distribution monthly | 1.75% | $906 |
| 60 monthsTerm: 60 month. Dividend distribution monthly. Requires Relationship Perks (active checking open >= 30 days with >= 5 transactions in most recent month) | 1.95% | $1,014 |
Special-purpose accounts
Traditional/Roth IRA Certificate Special
3.60%APY · 1 term
This offer is valid September 23, 2026 through November 1, 2026 (rate schedule footnote 1 states through October 15, 2026). Minimum deposit of $500. Penalty for early withdrawal. New money is not required for this special. Annual percentage yield (APY) based on monthly compounding. Relationship Perks do not apply to these special rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 14 monthsDividend distribution monthly. Relationship Perks do not apply. Valid September 23, 2026 through November 1, 2026 (schedule footnote 1 states through October 15, 2026) | 3.60% | $421 |
Branch Into Savings Youth Certificate
3.25%APY · 1 term
Youth certificate. Balance requirements: $500 - $1,000. Relationship Perks do not apply (N/A). Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividend distribution monthly. Relationship Perks do not apply | 3.25% | — |
Sources (1)
- mwafcu.org/rates/index.shtml · captured Oct 15, 2026
Regular IRA Certificate
Up to 2.45%APY · 10 terms
Minimum balance to open is $500. Penalty for early withdrawal. Applies to IRA certificates. Relationship Perks: 0.20% APY boost available to members with an active checking account (Freedom, Benefits Plus, or Reward Checking) open for at least 30 days with a minimum of 5 transactions in the most recent month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm: 4 week. Dividend distribution at maturity | 0.03% | $0 |
| 3 monthsTerm: 13 week. Dividend distribution at maturity | 0.50% | $12 |
| 3 monthsTerm: 13 week. Dividend distribution at maturity. Requires Relationship Perks (active checking open >= 30 days with >= 5 transactions in most recent month) | 0.70% | $17 |
| 6 monthsTerm: 182 days. Dividend distribution monthly | 2.25% | $111 |
| 6 monthsTerm: 182 days. Dividend distribution monthly. Requires Relationship Perks (active checking open >= 30 days with >= 5 transactions in most recent month) | 2.45% | $121 |
| 12 monthsTerm: 12 month. Dividend distribution monthly | 2.25% | $225 |
| 12 monthsTerm: 12 month. Dividend distribution monthly. Requires Relationship Perks (active checking open >= 30 days with >= 5 transactions in most recent month) | 2.45% | $245 |
| 18 monthsTerm: 18 month. Dividend distribution monthly | 2.00% | $301 |
| 18 monthsTerm: 18 month. Dividend distribution monthly. Requires Relationship Perks (active checking open >= 30 days with >= 5 transactions in most recent month) | 2.20% | $332 |
| 24 monthsTerm: 24 month. Dividend distribution monthly | 1.75% | $353 |
| 24 monthsTerm: 24 month. Dividend distribution monthly. Requires Relationship Perks (active checking open >= 30 days with >= 5 transactions in most recent month) | 1.95% | $394 |
| 30 monthsTerm: 30 month. Dividend distribution monthly | 1.75% | $443 |
| 30 monthsTerm: 30 month. Dividend distribution monthly. Requires Relationship Perks (active checking open >= 30 days with >= 5 transactions in most recent month) | 1.95% | $495 |
| 36 monthsTerm: 36 month. Dividend distribution monthly | 1.75% | $534 |
| 36 monthsTerm: 36 month. Dividend distribution monthly. Requires Relationship Perks (active checking open >= 30 days with >= 5 transactions in most recent month) | 1.95% | $596 |
| 48 monthsTerm: 48 month. Dividend distribution monthly | 1.75% | $719 |
| 48 monthsTerm: 48 month. Dividend distribution monthly. Requires Relationship Perks (active checking open >= 30 days with >= 5 transactions in most recent month) | 1.95% | $803 |
| 60 monthsTerm: 60 month. Dividend distribution monthly | 1.75% | $906 |
| 60 monthsTerm: 60 month. Dividend distribution monthly. Requires Relationship Perks (active checking open >= 30 days with >= 5 transactions in most recent month) | 1.95% | $1,014 |
Who can join MidWest America 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
- Persons who live, work, worship, or attend school within the designated Allen County Investment Area in Fort Wayne, Indiana are eligible to join.
- Businesses and other legal entities located within the designated Allen County Investment Area in Fort Wayne, Indiana are eligible to join.
Employers and groups
- Employees of MidWest America FCU are eligible to join.
- Employees of a business within the credit union's field of membership are eligible to join.
Family and household
- Family members of employees of MidWest America FCU are eligible to join.
- Persons related to or living within the same household as an employee of a business within the field of membership are eligible to join.
3 more ways to join
Family and household
- Persons related to or living in the same household as someone who lives, works, worships, or attends school in the designated Allen County Investment Area are eligible to join.
- Persons living in the same household (living in the same residence and maintaining the same economic unit) as a member are eligible to join.
- Immediate family members (defined as parents, siblings, stepparents, stepchildren, and adoptive relationships) of an existing member are eligible to join.
Membership information collected October 5, 2026.