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Personal Savings Accounts

MidWest America offers several savings accounts designed to fit your specific needs.

Our "You Name It" Savings lets you customize the name to reflect your individual savings goals whether it be for vacation, Christmas, education expenses, or something else. We also offer Liquid Gold, a higher interest-bearing account. These accounts are in addition to our Regular Savings account.

Open an Account Current Rates

counting money

Liquid gold

Watch your savings grow!

Maximize your earning potential without locking your funds into a long-term time commitment with a Liquid Gold account. With a minimum opening deposit of $2,500, your dividend rate goes up when your balance increases in this tiered savings account. There is a $500 minimum transaction limit for all deposits and withdrawals. Up to six withdrawals or transfers can be made per month, which means you have access to your funds at any time. Dividends are compounded monthly.      

Current Rates

For more specific information regarding any of our products, contact your local branch.

liquid gold



High return. No time commitment. 

In the market for a high interest rate that won’t tie up your funds? Grow your money with our Century Money Market Account while still having access to the funds anytime, just like you would a checking account. 

  • $100,000 minimum balance
  • Limit of 6 withdrawals per month 

Current Rates

For more specific information regarding any of our products, contact your local branch.

Minimum balance requirements: The minimum balance required to open this account is $100,000. If an account falls below the $100,000 minimum balance at any time during the monthly qualification cycle, the premium dividend rate for that month will be forfeited and the account will earn the same APY as a Regular Share Account for the entire monthly qualification cycle. To regain eligibility for the premium rate in the next monthly qualification cycle, you must meet or exceed the $100,000 balance requirement, before the next monthly cycle begins and maintain that minimum balance throughout the duration of the monthly qualification cycle. Closing your Century Money Market prior to the end of the qualification cycle will result in a forfeit of premium dividends. The Century Account is limited to six (6) withdrawals per month. Excess withdrawals will be charged a $5 each.

Century Money Market



The credit union offers both Single and Family HSA accounts.

Each individual's situation will determine if they qualify to open an HSA account and to make contributions. The HSA account is exclusively for the purpose of paying or reimbursing qualified medical expenses of the account owner, his or her spouse, and dependents. There are other restrictions to this account, please seek tax advice or your plan administrator prior to opening an HSA account.

Current Rates

For more specific information regarding any of our products, contact your local branch.



Choose an account that's right for you.

Account Min. Balance Min. Balance to Earn Dividends
Regular Savings $5.00 $200.00
You Name It Savings $1.00 $0.00
Liquid Gold $2,500.00 $2,500.00
Youth Savings $1.00 $0.00
Health Savings Account $0.00 $500

Monthly, a fee will be assessed to accounts that maintain an average aggregate balance of less than $500 for the previous two months. This fee will be waived if the checking account has 5 or more financial transactions (fee withdrawals or dividends are not considered financial transactions) during the month, there is an open loan, or the account belongs to a minor (less than age 18).

How much can I save over time?

Years to Save