RATES

Vehicle Loans  (Cars, Trucks, & Street Motorcycles)

Rates effective 3/1/17
APR = Annual Percentage Rate

* = As low as

Loan Type Term APR*
New Vehicle Up to 66 months 2.79%
New Vehicle 67 to 72 months 3.29%
Used 2014-2017 Up to 66 months 2.79%
Used 2014-2017 67 to 72 months 3.29%
Used 2012-2013 Up to 60 months 2.99%
Used 2012-2013 61 to 66 months 3.49%
Used 2011 Up to 54 months 3.79%
Used 2011 55 to 60 months 4.29%
Used 2010 Up to 54 months 3.79%
Used 2010 55 to 60 months 4.29%
Used 2009 Up to 54 months 3.79%
Used 2009 55 to 60 months 4.29%
Used 2008 & Older Up to 48 months 4.99%

Recreational Vehicles (RVs & Boats)

Rates effective 3/1/17
APR = Annual Percentage Rate

* = As low as

Loan Type Term APR* Min. Amount
New Vehicle 36 to 60 months 2.99% n/a
New Vehicle 61 to 72 months 2.99% n/a
Used 2015-2017 36 to 72 months 3.49% n/a
Used 2015-2017 84 to 120 months 3.99% $25,000
Used 2013-2014 36 to 72 months 3.99% n/a
Used 2013-2014 84 to 120 months 4.99% $25,000
Used 2008-2012 36 to 72 months 4.99% n/a
Used 2008-2012 84 to 120 months 5.99% $25,000
Used 2007 & Older 36 to 60 months 5.99% n/a
Used 2007 & Older 72 to 84 months 6.99% $25,000

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

Rates effective 3/1/17
APR = Annual Percentage Rate

* = As low as

Loan Type Term APR*
New Vehicle up to 60 months 3.99%
Used 2015-2017 up to 60 months 3.99%
Used 2013-2014 up to 48 months 4.49%
Used 2011-2012 up to 36 months 5.99%
Used 2010 & Older up to 36 months 6.99%

Second Mortgages (Fixed Rate)

Rates effective 3/1/17

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 3/1/17
APR = Annual Percentage Rate

* = As low as

Loan Type Term APR*
100% Share Secured Up to 5 Years 3.10%
75% Share Secured  - $20,000 maximum Up to 5 Years 5.10%
50% Share Secured  - $10,000 maximum Up to 4 Years 6.10%

Personal Loans

Rates effective 3/1/17
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 12/31/16
Monthly rates effective as of 2/28/17

APY = Annual Percentage Yield

Type Min. 
Opening Balance
Term Dividend Rate Min. Balance
to Earn Dividends
Dividend Distribution APY
Regular Shares
$5.00
Daily
0.10%
$200.00
Quarterly
0.10%
You Name It Savings
$1.00
Daily
0.05%
$0.00
Quarterly
0.05%
Kids Club Account
$10.00
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 $10,000.00
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%
$1,000.00
Monthly
0.10%
Advantage Checking
$0.00
Daily
0.13%
$2,500.00
Monthly
0.13%
Advantage Checking
$0.00
Daily
0.19%
$5,000.00
Monthly
0.19%
Liquid Gold
$2,500.00
Daily
0.10%
$2,500.00
Monthly
0.10%
Liquid Gold
$2,500.00
Daily
0.14%
$10,000.00
Monthly
0.14%
Liquid Gold
$2,500.00
Daily
0.19%
$25,000.00
Monthly
0.19%
Liquid Gold
$2,500.00
Daily
0.23%
$50,000.00
Monthly
0.23%
Health Savings Account
$0.00
Daily
0.05%
$500.00.00
Monthly
0.05%
Health Savings Account
$0.00
 
Daily
0.10%
$2,500.00
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 2/28/17

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 3/22/17

APY = Annual Percentage Yield

Type Term Dividend Rate Min. Balance Dividend Distribution APY*
Share/IRA Certificate 1 week 0.03% $10,000.00 Maturity 0.03%
Share/IRA Certificate 4 week 0.03% $10,000.00 Maturity 0.03%
Share/IRA Certificate 91 days 0.10% $500.00 Maturity 0.10%
Share/IRA Certificate 182 days 0.20% $500.00 Monthly /Quarterly 0.20%
Share/IRA Certificate 182 days 0.25% M
0.25% Q
$10,000.00 Monthly / Quarterly 0.25%
Share/IRA Certificate 12 month 0.30% $500.00 Quarterly 0.30%
Share/IRA Certificate 12 month 0.35% M
0.35% Q
$10,000.00 Monthly / Quarterly 0.35%
Share/IRA Certificate 18 month 0.40% $500.00 Quarterly 0.40%
Share/IRA Certificate 18 month 0.45% M
0.45% Q
$10,000.00 Monthly / Quarterly 0.45%
Share/IRA Certificate 24 month 0.60% $500.00 Quarterly 0.60%
Share/IRA Certificate 24 month 0.65% M
0.65% Q
$10,000.00 Monthly / Quarterly 0.65%
Share/IRA Certificate 30 month 0.70% $500.00 Quarterly 0.70%
Share/IRA Certificate 30 month 0.75% M
0.75% Q
$10,000.00 Monthly / Quarterly 0.75%
Share/IRA Certificate 36 month 0.85% $500.00 Quarterly 0.85%
Share/IRA Certificate 36 month 0.90% M
0.90% Q
$10,000.00 Monthly / Quarterly 0.90%
Share/IRA Certificate 48 month 1.00% $500.00 Quarterly 1.00%
Share/IRA Certificate 48 month 1.04% M
1.05% Q
$10,000.00 Monthly / Quarterly 1.05%
Share/IRA Certificate 60 month 1.10% $500.00 Quarterly 1.10%
Share/IRA Certificate 60 month 1.14% M
1.15% Q
$10,000.00 Monthly / Quarterly 1.15%
Share/IRA Certificate 60 month 1.14% M
1.15% Q
$25,000.00 Monthly / Quarterly 1.15%
  • *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 12/31/16
Monthly rates effective as of 2/28/17

APY = Annual Percentage Yield

Type Min. 
Opening Balance
Term Dividend Rate Min. Balance
to Earn Dividends
Dividend Distribution APY
Business Share Savings
$100.00
Daily
0.10%
$200.00
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%
$25,000.00
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.

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APR (Annual Percentage Rate):
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