*APY=Annual Percent Yield.  APY accurate as of 1/1/2026 and may change after account opening. Opening balance of High Yield Savings Account is $75,000. High Yield Savings Account (HYSA) have tiered balances of $200,000 or more, and $75,000 to $199,999. If balance falls below $75,000, an APY of 0.07% will be earned as of 1/1/26. Fees may reduce earnings; a $15 service fee will occur if minimum balance is not maintained and a $10 fee for each withdrawal or transfer beyond six per monthly statement period. HYSA is not available for business accounts. Dividends are based on the Credit Union’s earnings and cannot be guaranteed. Each member is federally insured up to $250,000 by the National Credit Union Administration. 

Investment advisory services provided by AdvisiFi, LLC (“AdvisiFi”), an investment adviser registered with the Securities and Exchange Commission (“SEC”). Registration does not imply a certain level of skill or training. AdvisiFi is a wholly-owned subsidiary of InvestiFi Inc (“InvestiFi”).  Brokerage services are provided by InvestiFi Securities LLC (“InvestiFi Securities”) and RQD* Clearing LLC (“RQD”), SEC-registered broker-dealers and members of FINRA/SIPC.  Brokerage services are available only to residents of the United States and in jurisdictions where InvestiFi Securities is registered. Brokerage and advisory accounts are not held with the financial institution and are held with AdvisiFi, InvestiFi Securities, and RQD, respectively. You may check the background of these firms by visiting FINRA's BrokerCheck. Cash and securities offered by InvestiFi Securities and held by RQD are (1) not insured by the FDIC, NCUA or other government agency, or by any private insurance offered in lieu of FDIC or NCUA coverage, (2) not guaranteed, (3) not financial institution deposits or obligations, and (4) may lose value.

Digital assets (cryptocurrencies) are made available and held in a digital wallet maintained by SAFE Trust Company, a Wyoming trust company, not the financial institution or InvestiFi or its affiliates. SAFE is a separate entity from, and not an affiliate of Mid Minnesota Federal Credit Union or InvestiFi. Digital assets are (1) not federally or privately insured; (2) not obligations of Mid Minnesota Federal Credit Union; (3) not guaranteed by Mid Minnesota Federal Credit Union; (4) heavily speculative and volatile; (5) may have associated fees; (6) may not allow account holder recourse; and (7) offered by a third party. Mid Minnesota Federal Credit Union may receive compensation from your purchase of digital assets. Digital assets (i.e. cryptocurrencies) held in your digital asset account with SAFE (i.e. Crypto account) are not insured by any government or private entities, including, but not limited to, NCUA or ASI/ESI. Your digital investing account does not support wallet-to-wallet transferring of your digital assets (i.e. Cryptocurrencies). You should carefully consider whether buying or holding digital assets is suitable for you in light of your financial situation. Digital assets are not obligations of Mid Minnesota Federal Credit Union and are not guaranteed by Mid Minnesota Federal Credit Union. 

*** Make the Switch and Get an Additional $300: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle (which means a period beginning on the last business day of the month and ending on the second to the last business day of the month) in order to qualify for the accounts rewards. The following activities do not count toward earning account rewards: Transfers between accounts, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your accounts qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $10,000 receive APY* of 5%; and balances over $10,000 earn 0.15% APY Kasasa Cash Back: 2% cash back on PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8 cash back may be earned per Monthly Qualification Cycle. ATM Fee Refunds: you will receive reimbursements up to $25 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $5 or higher. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.01% APY*; cash back payments are not made, and ATM fees are not reimbursed. ATM Cash Back reimbursements and rewards will be credited the last business day of each month to the appropriate Kasasa account(s). Dividends will be credited on the last calendar day of each month to the appropriate Kasasa account(s). Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. No minimum deposit is required to open a Kasasa account. Qualifications and rewards may vary by account. Monthly qualifications include: 1 ACH Debit or Credit, 12 Debit Card purchases, and receipt of electronic statements. If account doesn’t qualify for three consecutive months, account will be transferred out of Kasasa product and into Simply Checking. There are separate disclosures for Simply Checking account. Limit 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. Contact MMFCU Member Services for additional information, details, restrictions, processing limitations and enrollment instructions. Certain restrictions apply. Federally insured by NCUA. Kasasa Saver (linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $35,000 in your Kasasa Saver account receive an APY of 2.50% and balances over $35,000 earn a 0.15% interest rate on the portion of balance over $35,000. When linked to the Kasasa Saver account, the dividends earned within the linked Kasasa Cash account do not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual dividend amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. APY = Annual Percentage Yield. APYs accurate as of 3/1/25. The $300 bonus will be paid within 30 days of meeting the requirement (approximately 90 days after opening the account). No minimum balance is required to earn the bonus or open a Kasasa account. The $300 bonus is reportable income for which you will receive a tax document. A $300 penalty will be imposed if the checking account is closed in the first six months. Checking promotion will end at the discretion of MMFCU.

^APR is Annual Percentage Rate. Loans subject to credit approval. Loan fees apply and Annual Percentage Rate (APR) will vary based on personal credit history, the loan amount, term, collateral, and any fees. Loan payment example: A $20,000 loan for a term of 36 months with a 6.58% APR, including a $25 processing fee, will have a $612.98 monthly payment.  Maximum term varies based on credit score, collateral and loan amount.

APR= Annual percentage rate. Maximum APR=18% APR. Loans are subject to credit approval. Certain restrictions apply. The intro rate ends after the first 12 billing cycles; post-promotional APR is variable and ranges from 9.99%-18% based on your creditworthiness. 0.00% intro rate applies to balance transfers and new purchases made in the first 12 billing cycles. Certain restrictions apply. See card terms and conditions for specifics. New Mid Minnesota credit card holders only. Information and rates shown as of 11/26/2023.