Credit union · NCUA insured
Midwest Family Federal Credit Union CD Rates
Midwest Family Federal Credit Union’s best CD rate is 4.59% APY on a 6-month share certificate (CD), with extra requirements. Terms run from 6 months to 3 years. Rates checked October 15, 2026.
How Midwest Family Federal Credit Union’s CD rates compare
Compared with banks and credit unions in Indiana, where Midwest Family Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Midwest Family Federal Credit Union
4.59%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $227
Share Certificates
Top rate
Public Service Credit Union
6.00%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $20
- Earns on $10,000
- $549
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,836
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.59%APY · 4 terms
Fixed rate time deposit for members. Terms from 6-60 months. Penalties for early withdrawal apply (loss of 90 days dividends).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAPY assumes principal and dividends remain on deposit for entire term. Penalty for early withdrawal is loss of 90 days dividends | 2.02% | $100 |
| 6 monthsLOYALTY CERTIFICATE PROMO. Requirements: Checking and Savings account, Debit card and must currently have Direct Deposit. Money must be new to MWFFCU. Penalty for early withdrawal is loss of 90 days dividends | 4.59% | $227 |
| 12 monthsAPY assumes principal and dividends remain on deposit for entire term. Penalty for early withdrawal is loss of 90 days dividends | 1.26% | $126 |
| 24 monthsAPY assumes principal and dividends remain on deposit for entire term. Penalty for early withdrawal is loss of 90 days dividends | 1.51% | $304 |
| 36 monthsAPY assumes principal and dividends remain on deposit for entire term. Penalty for early withdrawal is loss of 90 days dividends | 1.76% | $537 |
Special-purpose accounts
Individual Retirement Accounts (IRA) Certificates
Up to 4.59%APY · 4 terms
Traditional, ROTH, or Educational IRA certificates. IRA funds are separately insured to $250,000 by the NCUA. Penalty for early withdrawal applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsApplies to Traditional IRA, ROTH IRA, and Educational IRA. APY assumes principal and dividends remain on deposit for entire term. Penalty for early withdrawal is loss of 90 days dividends | 2.02% | $100 |
| 6 monthsLOYALTY CERTIFICATE PROMO. Requirements: Checking and Savings account, Debit card and must currently have Direct Deposit. Money must be new to MWFFCU. Penalty for early withdrawal is loss of 90 days dividends | 4.59% | $227 |
| 12 monthsApplies to Traditional IRA, ROTH IRA, and Educational IRA. APY assumes principal and dividends remain on deposit for entire term. Penalty for early withdrawal is loss of 90 days dividends | 1.26% | $126 |
| 24 monthsApplies to Traditional IRA, ROTH IRA, and Educational IRA. APY assumes principal and dividends remain on deposit for entire term. Penalty for early withdrawal is loss of 90 days dividends | 1.51% | $304 |
| 36 monthsApplies to Traditional IRA, ROTH IRA, and Educational IRA. APY assumes principal and dividends remain on deposit for entire term. Penalty for early withdrawal is loss of 90 days dividends | 1.76% | $537 |
Who can join Midwest Family 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
- Anyone who lives, works, worships, or attends school in Porter County, Indiana, as well as businesses and other legal entities in Porter County, Indiana, are eligible for membership.
Employers and groups
- Employees of Midwest Family FCU are eligible for membership.
Family and household
- Existing members of the credit union and their immediate family or household members are eligible for membership.
- Spouses of persons who died while in the field of membership are eligible for membership.
Other ways
- Volunteers in the community are eligible for membership.
Cost to join
- To become a member, an individual must purchase at least one share by depositing $5 into a share (savings) account, which is refundable upon relinquishing membership.
Membership information collected October 5, 2026.