Products

Savings Accounts

The Share Account

Man holding piggy bank

At Midwest Family Federal Credit Union, you BELONG. You are not a customer, client, or consumer. You are a MEMBER. In fact, you are PART OWNER of the credit union. The Family exists for you and by you.

How? Good question. When you decide to bank at Midwest Family Federal Credit Union, you buy a single share of the company for $5.00. The share is deposited into your share account, or savings account. There is virtually no risk of losing any portion of your $5.00 share and you will get the full amount back if and when you decide to close your account. However, your share account must have a minimum balance of $5.00 in order to remain a member.

Can you add money to your share account? Please do! This account works just like a regular, old-fashioned savings account. You can deposit and withdraw money as often as you like with no penalties or fees. The only exception is that you must keep your original share amount of $5.00 in this account.

Make money while you save! The balance in your share account will earn dividends paid quarterly. Check out our Savings rates now for the current annual percentage rates and yields.

Your buck starts here. Once you open a share account and deposit your $5.00 share, you earn full membership rights and may now take advantage of all the products and services available exclusively to our members.

Your money is safe and secure. Funds on deposit at Midwest Family Federal Credit Union are federally insured by the National Credit Union Administration (NCUA) up to $250,000.

View Rates View Fees

Club Accounts

palm trees and ocean

Can’t keep your hands out of the cookie jar? Managing and transferring your money between accounts is so easy that you may be tempted to dip into your share (savings) account more than you planned. If this sounds like you, open a club account today.

If you’re saving up for something special including a vacation or Christmas gifts, try a club account. No minimum balance is required. Plus, YOU’LL EARN DIVIDENDS on your balance paid quarterly. Check out our Savings Rates now for the current annual percentage rates and yields.

Christmas club accounts have a fee of $5 every time you transfer or withdrawal from the account. This account is to encourage you to save for Christmas. The funds in the Christmas club account will automatically transfer into your checking account on November 1st.

Imagine the feeling of pride and accomplishment you’ll experience as you watch your club account grow. When you reach your financial goal and buy what you hoped for, start planning your next big dream.

We offer three accounts that you may use in any way you like – no rules, no fees, just DIVIDENDS!

  • Vacation
  • Special
  • Ultra Savings

Your money is safe and secure. Funds on deposit at Midwest Family Federal Credit Union are federally insured by the National Credit Union Administration (NCUA) up to $250,000.

View Rates View Fees

SUPER SAVERS Accounts

girl smiling with savings jar

MINORS THROUGH THE AGE OF 12 ARE ELIGIBLE FOR THE FOLLOWING PROGRAM:

  • FOR EVERY DEPOSIT OVER $5, A PRIZE MAY BE DRAWN FROM OUR SUPER SAVERS TREASURE CHEST
  • Every $5 deposit earns a Super Savers Coin
  • Super Savers Coins can be saved and turned in for larger prizes

*Qualifying deposits must remain in the Super Savers account for a minimum of 90 days before prizes can be redeemed

MINORS AGES 13 THROUGH 17 ARE ELIGIBLE FOR THE FOLLOWING PROGRAM:

  • FOR EVERY DEPOSIT OVER $25, A PRIZE MAY BE DRAWN FROM OUR SUPER SAVERS TREASURE CHEST
  • After 10 deposits of $25 made into the Super Savers account they may receive a $25 gift card upon request. (gift cards may vary)

*Qualifying deposits must remain in the Super Savers account for a minimum of 90 days before prizes can be redeemed
*Direct deposits and payroll checks are excluded from the rewards program
*No more than two prizes per quarter

NATIONAL YOUTH MONTH

To celebrate and encourage youth savings, Midwest Family will match one deposit, up to $10, per Super Savers account during National Youth Month. The deposit and matching deposit made by Midwest Family must remain in the Super Savers account for a minimum of 90 days. If funds are withdrawn before 90 days the matching amount will be forfeited.

View Rates View Fees

Money Market Accounts

Looking for the best of both worlds: higher dividends and easy access to your cash? You’ll want to open a money market account. Think of it as the workhorse of the savings accounts.

With a minimum deposit of $100 you can start earning more on your money than the regular draft (savings) and club accounts. The Family offers tiered dividend rates, so the more you save, the more you earn. Check out our Money Market rates now for the current annual percentage rates and yields.

Rates are subject to change without notice.

Dividends will be computed and credited monthly. If the account balance falls below $100, it will not receive a dividend.

The account is limited to three withdrawals per month. Each withdrawal that exceeds three per month will be charged a $25 fee.

Your money is safe and secure. Funds on deposit at Midwest Family Federal Credit Union are federally insured by the National Credit Union Administration (NCUA) up to $250,000.

View Rates View Fees

Checking Accounts

Checking Draft Accounts

debit card

Midwest Family Federal Credit Union has THREE great checking accounts! Period!

Regular Checking Account:

  • No minimum balance requirement
  • No monthly fees
  • Unlimited check writing

Fresh Start Checking Account: (credit score under 550)

  • $30 minimum balance requirement
  • $10 monthly fee

*Contact us to find out more information

Premier Checking Account:

  • Earn 1.50% APY* (up to a maximum balance of $10,000)
  • No monthly fees
  • No minimum balance requirement
  • Unlimited check writing
  • Use Bill Pay at least once a month
  • Maintain a monthly Direct Deposit of $500 or more
  • 10 signature-based Debit Card purchases totaling $100 or more*
  • You must be enrolled in eStatements, MemberNet, and pay one bill per month via Bill Pay

Add these options to Regular Checking:

  • VISA Debit Card
  • Access to nearly 30,000 surcharge- free ATMs (Alliance One Network and CO-OP Network)
  • FREE online banking (PAL)
  • FREE online bill pay
  • Direct Deposit
  • Standard Overdraft Protection
  • Courtesy Pay
  • Overdraft Opt-In
View Rates View Fees

Re-order Checks

Running low on checks? Re-order for less because Midwest Family Federal Credit Union has teamed up with a great check company that offers printing discounts to our Members.

Main Street (formerly Legacy)

Call our Member Service Representative at (219) 763-5640 for assistance if:

  • This is your first time ordering checks from the company above (you cannot place orders for new accounts online)
  • You want to order checks from a different vendor. You’ll need a special checking account number for your checks to ensure they will clear.

Debit Card Alerts

Currently Midwest Family offers a new Debit Card Alert System that our members can utilize to safeguard their accounts!

Investments

Share Certificates

Share Certificates are available to members who wish to take advantage of a fixed rate of interest via a time deposit. Terms are from 6-60 months depending on your desired investment period. Earn attractive yields on deposit. Penalties for early withdrawal apply.

View Rates View Fees

Individual Retirement Accounts (IRA):

An Individual Retirement Account is a personal tax-deferred savings plan set to provide for your retirement or child’s education. Choose from traditional, ROTH or educational IRA. IRA funds are separately insured to $250,000 by the NCUA.

View Rates View Fees

Loans

REFINANCE PROMOTION

girl in boxing ring

REFINANCE KNOCK OUT!!!

We want to help you KNOCK OUT your debt! As a Member of our Family, let us help you get the most value out of your money! Refinance your current loans from other lenders with a loan from Midwest Family Federal Credit Union and we’ll lower your payment GUARANTEED! After all, you work hard for your money and that’s what we’re here for!

Apply Online Now! View Rates

Titled Vehicle Loans

New car

In February 2018, the Credit Union revamped its auto loan program. All the changes benefit the MEMBERS who will SAVE, SAVE, SAVE!

Competition from other banks and dealers has driven down APR’s so that we can continue to be the Best Place to Get a Loan!

Want a shorter term? We’ve added a 24-month option so you can finish your payments faster than ever!

We service credit scores A+, A, B, C, D and E.

Refinance from another financial institution to lower your monthly payment and/or reduce the overall cost of your vehicle’s loan!

Deciding which new or used car, truck, van, or RV you’ll buy is a lot of fun but also takes some careful planning and research.

What factors do you consider when buying? Year, make, model, purchase price? Of course. But what about loan cost? You know, the thousands of additional dollars you may shell out over the course of your new loan. Heading off to the dealer without a loan strategy in place could cost you far more than you planned.

Before you buy, check out our highly competitive Auto Loan rates. We offer low rates, 100% financing, quick approval, and terms up to 84 months.

What’s that? You already financed your car through the dealer? Don’t worry. We can fix that! Ask us how you can shrink your monthly payments by refinancing your vehicle.

Remember, our credit union is not-for-profit. The earnings we make don’t pay executive bonuses – they are returned to our members in the form of lower loan rates, higher deposit rates, and other services and benefits. Financing through Midwest Family Federal Credit Union is good for your bottom line, the other members of The Family, and your community in which we invest. In every way, this is a GOOD LOAN!

Apply Online Now! View Rates

Quick Cash Loans

lightning bolt

INTRODUCING QUICK CASH!

Midwest Family is now offering our members a way to get cash in a flash when they need it the most. When most pay day loan stores are charging you well over 300% APR, we’re here to offer significantly lower rates AND opportunities to borrow at a lower rate with each subsequent quick cash loan from us!

Let our family help yours!

View Rates Apply for a Quick Cash loan today!!

Personal Loans

couple shopping for christmas

Personal Loans

Need funds to take a vacation or do some holiday shopping?

Stop by and apply for a Personal Loan. We want to help you with any situation you may have.

Low interest rates! Apply online now!

VISA Credit Cards

man shopping online

SPECIAL INTRODUCTORY RATE

Enjoy an introductory Annual Percentage Rate (APR) of only 1.89% for six months when you apply for a new VISA card from Midwest Family Federal Credit Union. After that, the introductory APR will revert to the regular APR of 9%, 11.5%, or 14%, as stated on your application.

Whether you make purchases online, out of state, or around town, use the credit card that keeps your money local! Midwest Family Federal Credit Union offers an excellent VISA credit card packed with extras at a low fixed annual percentage rate (APR).

No annual fee. No hidden charges. Visa is the most accepted type of credit card worldwide.

There are a lot of options when it comes to credit cards, but our VISA credit card offers special savings that traditional cards sent in the mail do not. Those cards usually have steep costs hidden in the fine print, such as excessive fees and interest rates that increase suddenly.

Advantages:

  • Low fixed rate (Risk based lending will be used to determine your specific rate.)
  • No annual fee
  • Travel Accident and Baggage Delay Insurance, see Disclosure
  • 25-day grace period for repayment for balance of purchases
  • CURewards – earn points towards your choice of rewards big or small
  • Cash advances available to members at merchants nationwide.
  • Easy, no-hassle payment options:
    • Automatic payment from Midwest Family Federal Credit Union share (savings) or draft (checking) account
    • Transfer payments through online banking (PAL)
    • In person as part of your regular banking ritual
  • VISA online access:
    • Make your credit card payments online
    • Check your credit card account balance
    • View statements (current and 2 previous)
    • Choose to receive e-statements
    • Create and print remittance stubs
    • Make member service inquiries via email
  • VISA Security Program: layers upon layers of protection

To apply, fill out and return the simple application to Midwest Family FCU, PO Box 48, Portage, IN 46368, visit us in person, or call us at (219) 763-5640.

Important Phone Numbers

  • Lost/Stolen ATM/Visa Debit Card – (800) 523-4175
  • Visa Credit Card Customer Service – (855) 541-8160
  • Lost/Stolen Visa Credit Card – (800) 449-7728
  • Other Inquiries – (219) 763-5640
  • After Hours – (888) 241-2510
  • Belgium: 0800-11-766
  • Canada: 800-654-7728
  • France: 0800-90-1615
  • Germany: 0130810002
  • Guam: 800-654-7728
  • Italy: 800-897-089
  • Japan: 0531-11-1727
  • Mexico: 00-1-800-336-7728
  • Panama: 00-1-800-111-0038
  • Philippines: 1800-1-111-9081
  • Spain: 900-99-1164
  • United Kingdom: 0-800897330
  • Visa Collect Number: 303-967-1096 when toll-free numbers are not accessible

Remember, our credit union is not-for-profit. The earnings we make don’t pay executive bonuses – they are returned to our members in the form of lower loan rates, higher deposit rates, and other services and benefits. Using our VISA is good for your bottom line, the other members of The Family, and your community in which we invest. In every way, this is a GOOD CREDIT CARD!

All Other Loans

For more information regarding other loans like the Share Pledge and Share Certificate Remaining Term, contact us today at (219) 763-5640.

Real Estate Loans

First Mortgage

key in door Members first mortgage logo

Get your Mortgage right here at Midwest Family Federal Credit Union! We’ve partnered with Member First Mortgage to bring YOU a wide range of mortgage programs sure to fit your unique financing needs. We offer a full suite of Conventional and Government loan programs, including FHA, VA, RD, Construction and many more!

Apply now or call our Mortgage Consultant Jeremy Britt at 616-301-6285

Home Equity Loans

paint supplies and blueprints

You’ve worked hard to build up the equity in your home… now that equity can go to work for you. Home equity loans can be used for all sorts of things. You can renovate your home and increase its value. You can replace your leaky roof. You can get a new car. You can pay for your child’s college education. The possibilities are endless!

Apply for a Home Equity Loan

Fixed Rate Home Equity Loan

Ideal for large one-time expense such as a major home improvement project, or to consolidate high-interest credit card debt.

Advantages:

  • Lump-sum of money payable over a fixed term
  • Security of a locked in rate
  • Consistent monthly payment

Terms:

  • Repayment in 5, 10, or 15 years
  • 3.75% floor limit
  • Member pays the cost of the appraisal and any associated closing costs which can be included as part of the loan
  • All properties must be located in the state of Indiana and owner occupied
  • The maximum loan amount is the appraised home value x 85% less the first mortgage and any other outstanding liens
  • The minimum loan amount is $5,000
  • No one member will be entitled to real estate loans greater than $350,000 in aggregate with Midwest Family FCU








Download Our Mobile App

Midwest Family FCU's FREE Mobile Banking App will give you secure, convenient access to your accounts.

Google Play iTunes

THIRD PARTY SITE DISCLAIMER - By accessing the noted link you will be leaving the MWFFCU website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the MWFFCU website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of MWFFCU. CLICK OK TO CONTINUE OR CANCEL TO CLOSE

Continue Cancel
New Online Banking LOGIN Instructions
When you log into Online Banking for the first time after our upgrade, you will be required to enter your Login ID and Security Code.

LOGON ID is your Primary Member Number. Your Logon ID must contain at least 6-digits. If your Member Number is less than 6 digits, you must enter the leading zeroes to make it 6 digits.

Example:
12345 must be entered as 012345.
1234 must be entered as 001234.
123 must be entered as 000123.

SECURITY CODE is the last 4-digits of the Primary Account Holder’s Social Security Number

You will be prompted to change your Logon ID and Security Code

Once these are changed, you will use your NEW Logon ID and Security Code the next time you log on to Online Banking.
Continue Cancel

Back to Top