Relationship Perks

Save more on your loan with our Relationship Perks program.

Learn more

Rates effective 11/21/22
APR = Annual Percentage Rate
* = As low as

Cars, Trucks, & Street Motorcycles

Loan Type Term APR*
New Vehicle Up to 72 months 5.59%
New Vehicle 73 to 78 months 6.09%
Used 2020-2023 Up to 72 months 5.59%
Used 2020-2023 73 to 78 months 6.09%
Used 2017-2019 Up to 66 months 5.89%
Used 2017-2019 67 to 72 months 6.39%
Used 2014-2016 Up to 60 months 6.49%
Used 2014-2016 61 to 66 months 6.99%
Used 2013 & Older Up to 54 months 7.49%

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Rates and applicant's qualifications may vary.

Rates effective 11/21/22
APR = Annual Percentage Rate
* = As low as

Recreational Vehicles & Boats

Loan Type Term APR* Min. Amount
New Vehicle up to 60 months 5.99% n/a
New Vehicle 72 months 5.99% n/a
New Vehicle 84 to 120 months 6.49% $20,000
New Vehicle 144 months 6.49% $40,000
Used 2020-2023 up to 60 months 5.99% n/a
Used 2020-2023 72 months 5.99% n/a
Used 2020-2023 84 to 120 months 6.49% $20,000
Used 2020-2023 144 months 6.49% $40,000
Used 2018-2019 up to 72 months 6.49% n/a
Used 2018-2019 84 to 120 months 7.49% $20,000
Used 2018-2019 144 months 7.49% $40,000
Used 2013-2017 up to 72 months 7.74% n/a
Used 2013-2017 84 to 120 months 8.74% $20,000
Used 2012 & Older up to 60 months 8.74% n/a
Used 2012 & Older 72 to 84 months 9.74% $15,000

Apply Online

Rates and applicant's qualifications may vary.

Relationship Perks

Save more on your loan with our Relationship Perks program.

Learn more

Powersports

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

Rates effective 11/21/22
APR = Annual Percentage Rate
* = As low as

Loan Type Term APR*
New Vehicle up to 60 months 5.99%
New Vehicle 61 to 66 months 6.49%
Used 2020-2023 up to 60 months 5.99%
Used 2020-2023 61 to 66 months 6.49%
Used 2018-2019 up to 48 months 6.49%
Used 2018-2019 49 to 54 months 6.99%
Used 2016-2017 up to 36 months 6.99%
Used 2016-2017 37 to 42 months 7.49%
Used 2015 & Older up to 36 months 7.99%
Used 2015 & Older 37 to 42 months 8.49%

Apply Online

Rates and applicant's qualifications may vary.

Second Mortgages (Fixed Rate)

Rates effective 11/21/22
APR = Annual Percentage Rate
* = As low as

Loan Type Term APR*
Second Mortgage - Owner Occupied up to 84 months 5.49%
Second Mortgage - Owner Occupied 85 to 120 months 5.99%
Second Mortgage - Owner Occupied 121 to 180 months 6.49%

View Other Mortgage Products

Maximum amount financed is $100,000 or up to 80% of Appraisal Value minus First Mortgage. Appraisal required on all CLTV higher than 80% or loan amounts above $50,000. Property location must be within a fifty (50) mile radius of any MidWest America Branch. Ask for more details. Rates and applicant's qualifications may vary.

Share Secured Loans

Rates effective 10/31/22
APR = Annual Percentage Rate
* = As low as

Type Term APR*
100% Share Secured Up to 5 Years 3.05%

Personal Loans

Rates effective 11/21/22
APR = Annual Percentage Rate
* = As low as

Type Term APR*
Personal (Max. amount $10,000) Up to 60 months 10.90%

Apply Online

Rates and applicant's qualifications may vary.

Savings Rates

Quarterly rates effective as of 9/30/22
Monthly rates effective as of 10/31/22
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%
$0.00
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
0.20%
$2,500
Monthly
0.20%
Liquid Gold1
$2,500
Daily
0.31%
$10,000
Monthly
0.31%
Liquid Gold1
$2,500
Daily
0.41%
$25,000
Monthly
0.41%
Liquid Gold1
$2,500
Daily
0.51%
$50,000
Monthly
0.51%
Health Savings Account
$25.00
Daily
0.05%
$500
Monthly
0.05%
Health Savings Account $25.00 Daily 0.20% $2,500 Monthly 0.120%
Health Savings Account $25.00 Daily 0.41% $10,000 Monthly 0.41%
  1. 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 10/31/22
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 11/30/22
APY = Annual Percentage Yield

Relationship Perks

Type Term Dividend
Rate
Min. Balance Dividend
Distribution
APY* APY
(w/Perks)1
Share/IRA Certificate 1 week 0.03% $10,000 Maturity 0.03% 0.03%
Share/IRA Certificate 4 week 0.03% $10,000 Maturity 0.03% 0.03%
Share/IRA Certificate 91 days 0.10% $500 Maturity 0.10% 0.10%
Share/IRA Certificate 182 days 0.20% M / 0.20% Q $500 Monthly /Quarterly 0.20% 0.40%
Share/IRA Certificate 182 days 0.20% M / 0.20% Q $10,000 Monthly / Quarterly 0.20% 0.40%
Branch Into Savings Youth Certificate 12 month 1.24% M $500 - $1,000 Monthly 1.25% N/A
Share/IRA Certificate 12 month 0.25% $500 Quarterly 0.25% 0.45%
Share/IRA Certificate 12 month 0.25% M / 0.25% Q $10,000 Monthly / Quarterly 0.25% 0.45%
Share/IRA Certificate 18 month 0.30% $500 Quarterly 0.30% 0.50%
Share/IRA Certificate 18 month 0.30% M / 0.30% Q $10,000 Monthly / Quarterly 0.30% 0.50%
Share/IRA Certificate 24 month 0.40% $500.00 Quarterly 0.40% 0.60%
Share/IRA Certificate 24 month 0.40% M / 0.40% Q $10,000 Monthly / Quarterly 0.40% 0.60%
Share/IRA Certificate 30 month 0.50% $500 Quarterly 0.50% 0.70%
Share/IRA Certificate 30 month 0.50% M, 0.50% Q $10,000 Monthly / Quarterly 0.50% 0.70%
Share/IRA Certificate 36 month 0.60% $500 Quarterly 0.60% 0.80%
Share/IRA Certificate 36 month 0.60% M / 0.60% Q $10,000 Monthly / Quarterly 0.60% 0.80%
Share/IRA Certificate 48 month 0.60% $500 Quarterly 0.60% 0.80%
Share/IRA Certificate 48 month 0.60% M / 0.60% Q $10,000 Monthly / Quarterly 0.60% 0.80%
Share/IRA Certificate 60 month 0.65% $500 Quarterly 0.65% 0.85%
Share/IRA Certificate 60 month 0.65% M / 0.65% Q $10,000 Monthly / Quarterly 0.65% 0.85%
Share/IRA Certificate 60 month 0.65% M / 0.65% Q $25,000 Monthly / Quarterly 0.65% 0.85%
  • *APY = Annual Percentage Yield
  • 1Every 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 9/30/22
Monthly rates effective as of 10/31/22
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
0.20%
$0.00
Monthly
0.20%
Business Gold Money Market
$0.00
Daily
0.31%
$25,000
Monthly
0.31%
Business Gold Money Market
$0.00
Daily
0.41%
$50,000
Monthly
0.41%
Business Gold Money Market
$0.00
Daily
0.51%
$100,000
Monthly
0.51%
Business Gold Money Market
$0.00
Daily
0.73%
$250,000
Monthly
0.73%
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.

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