Credit union · NCUA insured
MidWest America Federal Credit Union Savings Rates
MidWest America Federal Credit Union’s best savings rate is 0.46% APY on $10,000, with its Liquid Gold. Rates checked October 15, 2026.
How MidWest America Federal Credit Union’s savings 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
0.46%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $46
Liquid Gold
Top rate
GreenWay Bank
4.25%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $425
2nd-highest rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
MidWest America Federal Credit Union savings score
78
Savings score
Higher than 45% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.46%
- $100,000 balance$100,0003.10%
- QualifiedQualified0.46%
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 MidWest America 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.
Century Money Market
0.05%APY
APY = Annual Percentage Yield The above rates are variable and fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceWhen requirements not met | 0.05% | $5 | When requirements not met |
| $100,000 and up | 3.10% | — |
Sources (1)
- mwafcu.org/rates/index.shtml · captured Oct 15, 2026
Liquid Gold
Up to 0.46%APY
Liquid Gold - $500 minimum transaction limit for all deposits and withdrawals. Up to six withdrawals or transfers can be made per month. APY = Annual Percentage Yield The above rates are variable and fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.30% | $30 |
| $10,000 and up | 0.46% | $46 |
| $25,000 and up | 0.56% | — |
| $50,000 and up | 0.66% | — |
Sources (1)
- mwafcu.org/rates/index.shtml · captured Oct 15, 2026
Liquid Gold
Up to 0.46%APY
Tiered savings account. $500 minimum transaction limit for all deposits and withdrawals. Up to six withdrawals or transfers per month. Dividends compounded monthly. Rate is variable.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMonthly dividend distribution. Dividend rate 0.30%. Variable rate. | 0.30% | $30 | Monthly dividend distribution. Dividend rate 0.30%. Variable rate. |
| $10,000 and upMonthly dividend distribution. Dividend rate 0.46%. Variable rate. | 0.46% | $46 | Monthly dividend distribution. Dividend rate 0.46%. Variable rate. |
| $25,000 and upMonthly dividend distribution. Dividend rate 0.56%. Variable rate. | 0.56% | — | Monthly dividend distribution. Dividend rate 0.56%. Variable rate. |
| $50,000 and upMonthly dividend distribution. Dividend rate 0.66%. Variable rate. | 0.66% | — | Monthly dividend distribution. Dividend rate 0.66%. Variable rate. |
You Name It Savings
0.05%APY
Allows custom labeling to set aside funds for specific savings goals. Rate is variable and may change every quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly dividend distribution. Dividend rate 0.05%. Variable rate.Any balance | 0.05% | $5 | Quarterly dividend distribution. Dividend rate 0.05%. Variable rate. |
Special-purpose accounts
Growing Up MidWest Youth Savings
0.05%APY
For youth savers: Acorns (Ages 0-4), Sprouts (Ages 5-12), Roots (Ages 13-17). Open in child's name with $5 in savings and $1 opening deposit. Accounts belonging to minors are exempt from aggregate balance monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Earns premium dividend rate of 2.96% on the first $500. Monthly dividend distribution. Variable rate. | 3.00% | — | Earns premium dividend rate of 2.96% on the first $500. Monthly dividend distribution. Variable rate. |
| Over $500Dividend rate 0.05% for balances over $500. Monthly dividend distribution. Variable rate. | 0.05% | $5 | Dividend rate 0.05% for balances over $500. Monthly dividend distribution. Variable rate. |
Sources (3)
All captured Oct 15, 2026
Health Savings Account
Up to 0.51%APY
Offers Single and Family HSA accounts for paying or reimbursing qualified medical expenses of the account owner, spouse, and dependents. Rate is variable.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMonthly dividend distribution. Dividend rate 0.05%. Variable rate. | 0.05% | $5 | Monthly dividend distribution. Dividend rate 0.05%. Variable rate. |
| $2,500 and upMonthly dividend distribution. Dividend rate 0.30%. Variable rate. | 0.30% | $30 | Monthly dividend distribution. Dividend rate 0.30%. Variable rate. |
| $10,000 and upMonthly dividend distribution. Dividend rate 0.51%. Variable rate. | 0.51% | $51 | Monthly dividend distribution. Dividend rate 0.51%. Variable rate. |
Coverdell ESA
0.14%APY
Tax-advantaged education savings account specifically for children under 18 years old. Maximum contribution of $2,000 per year. Tax-free distributions for qualified education expenses. Funds must be distributed within 30 days of beneficiary's 30th birthday.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMonthly dividend distribution. Dividend rate 0.14%. Maximum annual contribution of $2,000.00.$1 and up | 0.14% | $14 | Monthly dividend distribution. Dividend rate 0.14%. Maximum annual contribution of $2,000.00. |
Individual Retirement Account (IRA) Savings
0.14%APY
Traditional and Roth IRA savings options available. Traditional IRAs allow tax-deferred growth for individuals with earned income. Roth IRAs offer tax-free qualified withdrawals with earned income and MAGI limits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upApplies to Traditional Share IRA and Roth IRA savings. Monthly dividend distribution. Dividend rate 0.14%.$1 and up | 0.14% | $14 | Applies to Traditional Share IRA and Roth IRA savings. Monthly dividend distribution. Dividend rate 0.14%. |
Regular Savings
0.05%APY
Monthly fee assessed to accounts that maintain an average aggregate balance of less than $500 for the previous two months; fee waived if checking account has 5 or more financial transactions during the month, there is an open loan, or the account belongs to a minor (less than age 18). Rate is variable and may change every quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upQuarterly dividend distribution. Dividend rate 0.05%. Variable rate.$200 and up | 0.05% | $5 | Quarterly dividend distribution. Dividend rate 0.05%. Variable rate. |
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.