The midwest difference
Become a Member, not a Customer
MidWest America Federal Credit Union is a not-for-profit financial institution that has been committed to providing competitive, quality services for our members' financial success since 1936. As a credit union, we have members, not customers. Each person who deposits money in a credit union becomes a member because his or her deposit is considered their share of the ownership. That means that credit unions and MidWest America are owned by members, not stockholders, like most banks!
"Customers" have no voice in how a bank operates.
Members of a credit union can vote and elect individuals to the credit union's board of directors and certain committees that make decisions that are best for all members of the credit union. Credit unions are not-for-profit organizations that operate solely for the financial well-being of the communities that they serve; whereas banks only serve to make a profit for their stockholders.
Credit unions are able to offer, on average, better rates and lower fees than any bank.
This is because all credit union profits are passed directly back to their members. What that means for a member of MidWest America is higher rates on savings and certificates and much lower rates on loans!
We believe becoming a member should be a simple process.
We have a series of steps that will make your switch from your existing financial institution to MidWest America simple. To get started, visit Open an Account or check out the links below for more information on our products and services. If you have questions along the way or can't find the information you want, feel free to contact us.
Checking Accounts
Mortgages
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E-Services
Vehicle Loans
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Rates
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Savings Accounts
how to join
To become a member, an individual should:
Be an employee of a business within our field of membership, or be related to or live within the same household as an employee of a business within our membership.
- Be an immediate family member (parents, siblings, stepparents, stepchildren, and adoptive relationships) of an existing member; or
- Live in the same household (persons living in the same residence and maintaining the same economic unit) as a member; or
- Live, work, worship, or attend school within the designated Allen County Investment Area, in Fort Wayne, Indiana or be related to or live within the same household as someone who does. Businesses and other legal entities located in the Investment Area can also qualify; or
- Employees of MidWest America FCU and their family members.
- Once you’ve set up your account, it can remain open as long as you'd like even if you change employers or your relationship status changes. If you ever choose to close your account, you will need to re-qualify for membership through one of the above criteria.
Field of Membership
View all of the companies included in our field of membership.
Allen County Investment Area
Looking for another way to qualify? Any persons who live, work, worship, attend school in, and businesses and other legal entities located within the following area in Allen County, IN are eligible to become a member.