Certificate Specials

Pick Your Term: 7 or 14 Months 5.40% APY*

$25K New money required**


13 Months 4.25% APY*

Minimum $1,000 deposit

*APY=Annual Percentage Yield. Special rate effective 08/01/2023 and subject to change without notice. 7-month and 14 month certificates will renew as a one year certificate.
**5.40% APY special rate requires minimum of $25,000 in new money to Mid American Credit Union.

Regular Certificates

A regular certificate starts with a $1000 minimum investment, with a wide range of terms, from six months to five years. Regular certificates may also be held in Traditional or Roth IRA, SEP, and HSA investments. Early withdrawal is subject to a penalty.

PayDay Certificate

The PayDay Certificate lets members enjoy certificate earnings with an opening deposit of just $100 on a one year certificate. Then automatic transfers, timed to the individual's payday, are set up to increase the certificate amount ($10 minimum transfer monthly). Early withdrawal is subject to a penalty.

Preferred Youth Certificate

Help a young person (up to age 24) prepare for the future with a Preferred Youth Certificate with just a $100 opening deposit. Then make deposits of $50 or more into the certificate at any time. This one-year certificate earns the regular one-year certificate rate. The Preferred Youth Certificate is not available for IRA ownership. Early withdrawal is subject to a penalty.

More Information

Whatever your certificate or tax-favored needs, Mid American can help you meet them. Please call our Member Contact Center, (316) 722-3921, ext. 202.