RATES

 Vehicle Loans  (Cars, Trucks, & Street Motorcycles)

Rates effective 6/1/18
APR = Annual Percentage Rate

* = As low as

Loan Type Term APR*
New Vehicle Up to 66 months 3.19%
New Vehicle 67 to 72 months 3.69%
Used 2015-2018 Up to 66 months 3.19%
Used 2015-2018 67 to 72 months 3.69%
Used 2013-2014 Up to 60 months 3.49%
Used 2013-2014 61 to 66 months 3.99%
Used 2012 Up to 54 months 4.49%
Used 2012 55 to 60 months 4.99%
Used 2011 Up to 54 months 4.49%
Used 2011 55 to 60 months 4.99%
Used 2010 Up to 54 months 4.49%
Used 2010 55 to 60 months 4.99%
Used 2009 & Older Up to 48 months 5.49%

Recreational Vehicles (RVs & Boats)

Rates effective 6/1/18
APR = Annual Percentage Rate

* = As low as

Loan Type Term APR* Min. Amount
New Vehicle 36 to 60 months 4.24% n/a
New Vehicle 61 to 72 months 4.24% n/a
Used 2016-2018 36 to 72 months 4.24% n/a
Used 2016-2018 84 to 120 months 4.74% $25,000
Used 2014-2015 36 to 72 months 4.74% n/a
Used 2014-2015 84 to 120 months 5.74% $25,000
Used 2009-2013 36 to 72 months 6.24% n/a
Used 2009-2013 84 to 120 months 7.24% $25,000
Used 2008 & Older 36 to 60 months 7.24% n/a
Used 2008 & Older 72 to 84 months 8.24% $25,000

Powersports (Non-Street Motorcycles, ATVs, UTVs, PWCs, Snowmobiles, & Scooters)

Rates effective 6/1/18
APR = Annual Percentage Rate

* = As low as

Loan Type Term APR*
New Vehicle up to 60 months 4.99%
Used 2016-2018 up to 60 months 4.99%
Used 2014-2015 up to 48 months 5.49%
Used 2012-2013 up to 36 months 6.49%
Used 2011 & Older up to 36 months 7.49%

Second Mortgages (Fixed Rate)

Rates effective 6/1/18

APR = Annual Percentage Rate

* = As low as

Loan Type Term APR*
Second Mortgage - Owner Occupied up thru 120 months 5.99%
Second Mortgage - Owner Occupied 121 to 180 months 6.49%


Maximum amount financed is $100,000 or up to 70% of Appraisal Value minus First Mortgage. Property location must be within a fifty (50) mile radius of any MidWest America Branch.

Share Secured Loans

Rates effective 6/1/18
APR = Annual Percentage Rate

* = As low as

Loan Type Term APR*
100% Share Secured Up to 5 Years 3.10%

Personal Loans

Rates effective 6/1/18
APR = Annual Percentage Rate

* = As low as

Loan Type Term APR*
Personal Up to 60 months 9.90%


Maximum amount $10,000. Rates and applicant's qualifications may vary.

Savings Rates

Quarterly rates effective as of 3/31/18
Monthly rates effective as of 5/31/18

APY = Annual Percentage Yield

Type Min. 
Opening Balance
Term Dividend Rate Min. Balance
to Earn Dividends
Dividend Distribution APY
Regular Shares
$5
Daily
0.10%
$200
Quarterly
0.10%
You Name It Savings
$1
Daily
0.05%
$0.00
Quarterly
0.05%
Kids Club Account
$10
Daily
0.05%
$0.00
Quarterly
0.05%
Freedom Checking
$0.00
Daily
0.00%
n/a
No distribution
0.00%
Reward Checking
$0.00
Daily
1.50%
$0 to $10,000
Monthly
1.51%
Reward Checking
$0.00
Daily
0.23%
$10,000.01 +
Monthly
0.23%
Reward Checking
(when req not met )
$0.00
Daily
0.03%
$0
Monthly
0.03%
Advantage Checking
$0.00
Daily
0.10%
$1,000
Monthly
0.10%
Advantage Checking
$0.00
Daily
0.13%
$2,500
Monthly
0.13%
Advantage Checking
$0.00
Daily
0.19%
$5,000
Monthly
0.19%
Liquid Gold
$2,500
Daily
0.10%
$2,500
Monthly
0.10%
Liquid Gold
$2,500
Daily
0.14%
$10,000
Monthly
0.14%
Liquid Gold
$2,500
Daily
0.19%
$25,000
Monthly
0.19%
Liquid Gold
$2,500
Daily
0.23%
$50,000
Monthly
0.23%
Health Savings Account
$0.00
Daily
0.05%
$500
Monthly
0.05%
Health Savings Account
$0.00
 
Daily
0.10%
$2,500
Monthly
0.10%
Health Savings Account
$0.00
Daily
0.19%
$10,000
Monthly
0.19%
  • APY = Annual Percentage Yield
  • The above rates are variable and fees may reduce earnings.
  • The dividend rate and annual percentage yield may change every quarter. MidWest America FCU may change the dividend rate for your account as determined by the Credit Union Board of Directors
  • For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last date of the dividend period, and for the example above is March 31.
  • For more information, see your Truth-in-Savings disclosure.

IRA Rates

Rates effective 5/31/18

APY = Annual Percentage Yield

Type Term Dividend Rate Min. Balance to Earn Dividend Dividend Distribution APY*
Traditional Rate Share IRA Daily 0.19% $1.00 Monthly 0.19%
Contribution Roth IRA Daily 0.19% $1.00 Monthly 0.19%
Conversion Roth IRA Daily 0.19% $1.00 Monthly 0.19%
Education Roth IRA Daily 0.19% $1.00 Monthly 0.19%

Certificate Rates

Rates effective 6/20/18

APY = Annual Percentage Yield

Type Term Dividend Rate Min. Balance Dividend Distribution APY*
Share/IRA Certificate 1 week 0.03% $10,000 Maturity 0.03%
Share/IRA Certificate 4 week 0.03% $10,000 Maturity 0.03%
Share/IRA Certificate 91 days 0.10% $500 Maturity 0.10%
Share/IRA Certificate 182 days 0.45% $500 Monthly /Quarterly 0.45%
Share/IRA Certificate 182 days 0.45% M
0.45% Q
$10,000 Monthly / Quarterly 0.45%
Share/IRA Certificate 12 month 0.65% $500 Quarterly 0.65%
Share/IRA Certificate 12 month 0.65% M
0.65% Q
$10,000 Monthly / Quarterly 0.65%
Share/IRA Certificate 18 month 0.80% $500 Quarterly 0.80%
Share/IRA Certificate 18 month 0.80% M
0.80% Q
$10,000 Monthly / Quarterly 0.80%
Share/IRA Certificate 24 month 1.00% $500.00 Quarterly 1.00%
Share/IRA Certificate 24 month 1.00% M
1.00% Q
$10,000 Monthly / Quarterly 1.00%
Share/IRA Certificate 30 month 1.10% $500 Quarterly 1.10%
Share/IRA Certificate 30 month 1.09% M
1.10% Q
$10,000 Monthly / Quarterly 1.10%
Share/IRA Certificate 36 month 1.29% $500 Quarterly 1.30%
Share/IRA Certificate 36 month 1.29% M
1.29% Q
$10,000 Monthly / Quarterly 1.30%
Share/IRA Certificate 48 month 1.44% $500 Quarterly 1.45%
Share/IRA Certificate 48 month 1.44% M
1.44% Q
$10,000 Monthly / Quarterly 1.45%
Share/IRA Certificate 60 month 1.54% $500 Quarterly 1.55%
Share/IRA Certificate 60 month 1.54% M
1.54% Q
$10,000 Monthly / Quarterly 1.55%
Share/IRA Certificate 60 month 1.54% M
1.54% Q
$25,000 Monthly / Quarterly 1.55%
  • *APY = Annual Percentage Yield
  • The above rates are variable and fees may reduce earnings.
  • The dividend rate and annual percentage yield may change every quarter. MidWest America FCU may change the dividend rate for your account as determined by the Credit Union Board of Directors.
  • There may be penalty for early withdrawal.
  • For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last date of the dividend period, and for the example above is March 31.
  • For more information, see your Truth-in-Savings disclosure.
  • M = Monthly; Q = Quarterly

Business Savings Rates

Quarterly rates effective as of 3/31/18
Monthly rates effective as of 5/31/18

APY = Annual Percentage Yield

Type Min. 
Opening Balance
Term Dividend Rate Min. Balance
to Earn Dividends
Dividend Distribution APY
Business Share Savings
$100
Daily
0.10%
$200
Quarterly
0.10%
Business Gold Money Market
$0.00
Daily
0.10%
$0.00
Monthly
0.10%
Business Gold Money Market
$0.00
Daily
0.13%
$25,000
Monthly
0.13%
Business Gold Money Market
$0.00
Daily
0.19%
$50,000
Monthly
0.19%
Business Gold Money Market
$0.00
Daily
0.23%
$100,000
Monthly
0.23%
Business Gold Money Market
$0.00
Daily
0.23%
$250,000
Monthly
0.23%
Advanced Business Checking
$0.00
Daily
0.10%
$0.00 to $25,000
Monthly
0.10%
Advanced Business Checking
$0.00
Daily
0.13%
$25,000.01 to $50,000
Monthly
0.13%
Advanced Business Checking
$0.00
Daily
0.19%
$50,000.01 to $75,000
Monthly
0.19%
Advanced Business Checking
$0.00
Daily
0.23%
$75,000.01 +
Monthly
0.23%
Association Checking
$0.00
Daily
0.23%
$0.00
Monthly
0.23%
Free Small Business Checking
$0.00
Daily
0.00%
n/a
No Distribution
0.00%

Rates and applicant's qualifications may vary.

Loan Payment Calculator

Calculate your monthly payment by entering the amount you’d like to borrow, the interest rate, and term of the loan in years. (Example: when figuring a 60 month term, the loan term keyed in is 5; a 66 month loan would be keyed in as 5.5). For a more detailed calculation of your loan payment including fees, downpayments, sales tax, etc. visit our Financial Calculators.