Save more on your loan with our Relationship Perks program.
Learn moreRates effective 5/1/25
APR = Annual Percentage Rate
* = As low as
Cars, Trucks, & Street Motorcycles
| Loan Type | Term | APR* |
|---|---|---|
| New Vehicle | Up to 72 months | 6.28% |
| New Vehicle | 73 to 78 months | 6.77% |
| Used 2023-2025 | Up to 72 months | 6.28% |
| Used 2023-2025 | 73 to 78 months | 6.77% |
| Used 2020-2022 | Up to 66 months | 6.48% |
| Used 2020-2022 | 67 to 72 months | 6.98% |
| Used 2017-2019 | Up to 60 months | 6.99% |
| Used 2017-2019 | 61 to 66 months | 7.48% |
| Used 2016 & Older | Up to 54 months | 7.60% |
Rates and applicant's qualifications may vary. Loans are subject to a
one-time $49 processing fee. APR on a $20,000 loan is 6.28% based on a rate of 6.19%, resulting in an
approximate payment of $334.07, for a 72 month term.
Rates effective 5/1/25
APR = Annual Percentage Rate
* = As low as
Recreational Vehicles & Boats
| Loan Type | Term | APR* | Min. Amount |
|---|---|---|---|
| New Vehicle | 72 months | 5.99% | n/a |
| New Vehicle | 84 to 120 months | 6.55% | $20,000 |
| New Vehicle | 121 to 180 months | 7.04% | $50,000 |
| Used 2023-2025 | 72 months | 5.99% | n/a |
| Used 2023-2025 | 84 to 120 months | 6.55% | $20,000 |
| Used 2023-2025 | 121 to 180 months | 7.04% | $50,000 |
| Used 2021-2022 | up to 72 months | 6.58% | n/a |
| Used 2021-2022 | 84 to 120 months | 7.55% | $20,000 |
| Used 2021-2022 | 121 to 180 months | 8.04% | $50,000 |
| Used 2016-2020 | up to 72 months | 8.08% | n/a |
| Used 2016-2020 | 84 to 120 months | 9.05% | $20,000 |
| Used 2015 & Older | up to 60 months | 8.10% | n/a |
| Used 2015 & Older | 72 to 84 months | 9.07% | $5,000 |
Rates and applicant's qualifications may vary. Loans are subject to a one-time $49 processing fee. APR on a $20,000 loan is 5.99% based on a rate of 5.90%, resulting in an approximate payment of $331.36, for a 72 month term.
Save more on your loan with our Relationship Perks program.
Learn morePowersports
(Non-Street Motorcycles, ATVs, UTVs, PWCs, Golf Carts, Snowmobiles, & Scooters)
Rates effective 5/1/25
APR = Annual Percentage
Rate
* = As low
as
| Loan Type | Term | APR* |
|---|---|---|
| New Vehicle | up to 72 months | 7.58% |
| Used 2023-2025 | up to 72 months | 7.58% |
| Used 2021-2022 | up to 60 months | 8.09% |
| Used 2019-2020 | up to 48 months | 8.60% |
| Used 2018 & Older | up to 48 months | 9.60% |
Rates and applicant's qualifications may vary. Loans are subject to a one-time $49 processing fee. APR on a $20,000 loan is 7.58% based on a rate of 7.49%, resulting in an approximate payment of $346.55, for a 72 month term.
Second Mortgages
Access cash by borrowing against the equity in your home at a fixed rate. The processing fee is $199 but only $99 with Relationship Perks.
Rates effective 5/1/25
APR = Annual Percentage
Rate
* = As low
as
| Loan Type | Term | APR* |
|---|---|---|
| Second Mortgage - Owner Occupied | up to 120 months | 6.568% |
| Second Mortgage - Owner Occupied | 121 to 180 months | 7.047% |
| Second Mortgage - Owner Occupied | 181 to 240 months | 7.538% |
Rates and applicant's qualifications may vary. Loans are subject to a one-time $199 processing fee. APR on a $60,000 loan is 6.568% based on a rate of 6.49%, resulting in an approximate payment of $683.36 for a 120 month term with the $199 fee included. Maximum amount financed is $350,000 or up to 100% of Appraisal Value minus First Mortgage. AVM required on loan amounts $50,000 to $100,000. Appraisal required on all CLTV higher than 80% or loan amounts above $100,000. Property location must be within a hundred (100) mile radius of any MidWest America Branch. Ask for more details. Rates and applicant's qualifications may vary.
Share Secured Loans
Rates effective 5/1/25
APR = Annual Percentage
Rate
* = As low
as
| Type | Term | APR* |
|---|---|---|
| 100% Share Secured | Up to 5 Years | 3.05% |
Personal Loans
Rates effective 5/1/25
APR = Annual Percentage
Rate
* = As low
as
| Type | Term | APR* |
|---|---|---|
| Personal (Max. amount $15,000) | Up to 60 months | 11.90% |
Rates and applicant's qualifications may vary.
Savings Rates
Quarterly rates effective as of 3/31/25
Monthly rates effective as of 4/30/25
APY = Annual Percentage Yield
| Type | Min. Opening Balance |
Term | Proposed Dividend Rate |
Min. Balance to Earn Dividends |
Dividend Distribution |
Proposed APY |
|---|---|---|---|---|---|---|
| Regular Shares | $5 | Daily | 0.05% | $200 | Quarterly | 0.05% |
| You Name It Savings | $1 | Daily | 0.05% | $0.00 | Quarterly | 0.05% |
| Youth Savings | $1 | Daily | 2.96% | $0 to $500 | Monthly | 3.00% |
| Youth Savings | $1 | Daily | 0.05% | $500.01 | Monthly | 0.05% |
| Freedom Checking | $0.00 | Daily | 0.00% | n/a | No distribution | 0.00% |
| Benefits Plus® Checking | $0.00 | Daily | 0.00% | n/a | No distribution | 0.00% |
| Reward Checking | $0.00 | Daily | 1.25% | $0 to $10,000 | Monthly | 1.26% |
| Reward Checking | $0.00 | Daily | 0.51% | $10,000.01 + | Monthly | 0.51% |
| Reward Checking (when req not met) | $0.00 | Daily | 0.01% | $0 | Monthly | 0.01% |
| Liquid Gold1 | $2,500 | Daily | 0.30% | $2,500 | Monthly | 0.30% |
| Liquid Gold1 | $2,500 | Daily | 0.46% | $10,000 | Monthly | 0.46% |
| Liquid Gold1 | $2,500 | Daily | 0.56% | $25,000 | Monthly | 0.56% |
| Liquid Gold1 | $2,500 | Daily | 0.66% | $50,000 | Monthly | 0.66% |
| Century Money Market | $100,000 | Daily | 3.66% | $100,000 | Monthly | 3.66% |
| Century Money Market (when req not met) | $100,000 | Daily | 0.05% | $0 | Monthly | 0.05% |
| Health Savings Account | $25.00 | Daily | 0.05% | $500 | Monthly | 0.05% |
| Health Savings Account | $25.00 | Daily | 0.30% | $2,500 | Monthly | 0.30% |
| Health Savings Account | $25.00 | Daily | 0.51% | $10,000 | Monthly | 0.51% |
- Liquid Gold - $500 minimum transaction limit for all deposits and withdrawals. Up to six withdrawals or transfers can be made per month.
- 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
- Accounts with Quarterly Dividend Distribution - 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 effective date is the last date of the dividend period, and for the example above is March 31.
- Accounts with Monthly Dividend Distribution - the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of the first dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend effective date is the last day of the dividend period, and for the example above is January 31.
- For more information, see your Truth-in-Savings disclosure.
IRA Rates
Rates effective 4/30/25
APY = Annual Percentage Yield
| Type | Term | Dividend Rate |
Min. Balance to Earn Dividend |
Dividend Distribution |
APY* |
|---|---|---|---|---|---|
| Traditional Share IRA | Daily | 0.14% | $1.00 | Monthly | 0.14% |
| Roth IRA | Daily | 0.14% | $1.00 | Monthly | 0.14% |
| Coverdell ESA | Daily | 0.14% | $1.00 | Monthly | 0.14% |
- *APY = Annual Percentage Yield
- The above rates are variable and fees may reduce earnings.
- Accounts with Monthly Dividend Distribution - the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of the first dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31.
- For more information, see your Truth-in-Savings disclosure.
Certificate Rates
Rates effective 4/30/25
APY = Annual Percentage Yield
| Special Certificates | Term | Dividend Rate |
Minimum Balance Requirements |
Dividend Distribution |
APY* |
|---|---|---|---|---|---|
| Share Certificate | 7 month | 4.17% | $500 | Monthly | 4.25% |
| Traditional/Roth IRA Certificate | 14 month | 3.93% | $500 | Monthly | 4.00% |
| Regular Certificates | Term | Dividend Rate |
Min. Balance | Dividend Distribution |
APY* | APY (w/Perks)2 |
|---|---|---|---|---|---|---|
| Share/IRA Certificate | 4 week | 0.03% | $10,000 | Maturity | 0.03% | 0.23% |
| Share/IRA Certificate | 91 days | 0.499% | $500 | Maturity | 0.50% | 0.70% |
| Share/IRA Certificate | 182 days | 2.23% M / 2.23% Q | $500 | Monthly /Quarterly | 2.25% | 2.45% |
| Share/IRA Certificate | 182 days | 2.23% M / 2.23% Q | $10,000 | Monthly / Quarterly | 2.25% | 2.45% |
| Branch Into Savings Youth Certificate | 12 month | 3.20% M | $500 - $1,000 | Monthly | 3.25% | N/A |
| Share/IRA Certificate | 12 month | 2.23% | $500 | Quarterly | 2.25% | 2.45% |
| Share/IRA Certificate | 12 month | 2.23% M / 2.23% Q | $10,000 | Monthly / Quarterly | 2.25% | 2.45% |
| Share/IRA Certificate | 18 month | 1.99% | $500 | Quarterly | 2.00% | 2.20% |
| Share/IRA Certificate | 18 month | 1.98% M / 1.99% Q | $10,000 | Monthly / Quarterly | 2.00% | 2.20% |
| Share/IRA Certificate | 24 month | 1.74% | $500.00 | Quarterly | 1.75% | 1.95% |
| Share/IRA Certificate | 24 month | 1.74% M / 1.74% Q | $10,000 | Monthly / Quarterly | 1.75% | 1.95% |
| Share/IRA Certificate | 30 month | 1.74% | $500 | Quarterly | 1.75% | 1.95% |
| Share/IRA Certificate | 30 month | 1.74% M, 1.74% Q | $10,000 | Monthly / Quarterly | 1.75% | 1.95% |
| Share/IRA Certificate | 36 month | 1.74% | $500 | Quarterly | 1.75% | 1.95% |
| Share/IRA Certificate | 36 month | 1.74% M / 1.74% Q | $10,000 | Monthly / Quarterly | 1.75% | 1.95% |
| Share/IRA Certificate | 48 month | 1.74% | $500 | Quarterly | 1.75% | 1.95% |
| Share/IRA Certificate | 48 month | 1.74% M / 1.74% Q | $10,000 | Monthly / Quarterly | 1.75% | 1.95% |
| Share/IRA Certificate | 60 month | 1.74% | $500 | Quarterly | 1.75% | 1.95% |
| Share/IRA Certificate | 60 month | 1.74% M / 1.74% Q | $10,000 | Monthly / Quarterly | 1.75% | 1.95% |
| Share/IRA Certificate | 60 month | 1.74% M / 1.74% Q | $25,000 | Monthly / Quarterly | 1.75% | 1.95% |
- *APY = Annual Percentage Yield
- 1 = *APY = Annual Percentage Yield. Rate is available starting October 23, 2023 for a limited time only. Minimum deposit of $500 required. No maximum deposit for 7 Month term. $250,000 maximum deposit for 17 Month Traditional/ Roth IRA. Penalty for early withdrawal. Annual percentage yield (APY) based on monthly compounding. 7 Month term is not eligible for Traditional/ Roth IRA certificates. Relationship Perks do not apply to these special rates. New money not required for special rates. Other restrictions may apply. Deposits federally insured up to $250,000 by the NCUA and additional $250,000 excess share insurance provided by ESI. IRAs are separately insured to $250,000 by the NCUA, and an additional $250,000 by ESI, for a total of $500,000.
- 2 = Every member with an active checking account (Freedom, Benefits Plus®, or Reward Checking) is eligible for Relationship Perks. Checking account must be open for at least 30 days with a minimum of 5 transactions in the most recent month.
- There may be penalty for early withdrawal.
- Quarterly Certificates - 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.
- Monthly Certificates - the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of the first dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31.
- For more information, see your Truth-in-Savings disclosure.
- M = Monthly; Q = Quarterly
Business Savings Rates
Quarterly rates effective as of 3/31/24
Monthly rates effective as of 4/30/25
APY = Annual Percentage Yield
| Type | Min. Opening Balance |
Term | Proposed Dividend Rate |
Min. Balance to Earn Dividends |
Dividend Distribution |
Proposed APY |
|---|---|---|---|---|---|---|
| Member Business Share Savings | $100 |
Daily
|
0.05%
|
$200
|
Quarterly
|
0.05%
|
|
Business Gold Money Market
|
$0.00
|
Daily
|
0.50%
|
$0.00
|
Monthly
|
0.50%
|
|
Business Gold Money Market
|
$0.00
|
Daily
|
1.00%
|
$25,000
|
Monthly
|
1.00%
|
|
Business Gold Money Market
|
$0.00
|
Daily
|
1.49%
|
$50,000
|
Monthly
|
1.50%
|
|
Business Gold Money Market
|
$0.00
|
Daily
|
2.47%
|
$100,000
|
Monthly
|
2.50%
|
|
Business Gold Money Market
|
$0.00
|
Daily
|
4.15%
|
$250,000
|
Monthly
|
4.23%
|
|
Business Checking
|
$0.00
|
Daily
|
0.05%
|
$0.00 to $25,000
|
Monthly
|
0.05%
|
|
Business Checking
|
$0.00
|
Daily
|
0.16%
|
$25,000.01 to $50,000
|
Monthly
|
0.16%
|
|
Business Checking
|
$0.00
|
Daily
|
0.29%
|
$50,000.01 to $75,000
|
Monthly
|
0.29%
|
|
Business Checking
|
$0.00
|
Daily
|
0.38%
|
$75,000.01 +
|
Monthly
|
0.38%
|
|
Association Checking
|
$0.00
|
Daily
|
0.29%
|
$0.00
|
Monthly
|
0.29%
|
|
Small Business Checking
|
$0.00
|
Daily
|
0.00%
|
n/a
|
No Distribution
|
0.00%
|
- 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
- Accounts with Quarterly Dividend Distribution - 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 effective date is the last date of the dividend period, and for the example above is March 31.
- Accounts with Monthly Dividend Distribution - the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of the first dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend effective date is the last day of the dividend period, and for the example above is January 31.
- For more information, see your Business Truth-in-Savings disclosure.
