Savings Products


Is your money safe?

If the safety and availability of your hard earned money is important to you, satisfying your family’s financial needs at MidState Federal Credit Union is your most logical choice. Each member’s deposit are protected by the National Credit Union Administration (NCUA) for at least $250,000. Not one person has ever lost a penny placed in the trust of a federally insured Credit Union.

Share Savings Accounts
Saving for the future is important to every family. At MidState Federal Credit Union we offer savings and investment accounts with a high-yield rate of return. And, because each account is federally insured for at least $250,000.00 you have the security of knowing your hard earned money will be there when you need it.

  • Minimum Account Balance $100.00
  • Pay Dividends Monthly
  • Lifetime Membership – Once a Member, Always a Member!
  • No limit on Deposits
  • 24-Hour Access via Call-24, our toll-free telephone teller
  • Access Nationwide via a MidState FCU ATM Card
  • Payroll Deductions available

Kid’s Count

Anyone under the age of 21 can open up a Kid’s Count for as little as a $5.00 minimum balance.  Start earning dividends on that amount.  When you turn 21 you can convert your account into a share savings account.

Money Market Accounts

MidState’s Money Market Accounts offer higher yields than our share savings accounts.  We offer a three tier system, and the minimum balance to open is only $2,500.00.  Dividends are compounded monthly.  You will be limited to three (3) withdrawals per month, and have unlimited deposit ability.  There are NO FEES for these accounts, however, if you make more than the three withdrawals in one month you will be charged a penalty of the interest that is accrued for that month.

Checking Account
A MidState Federal Credit Union Share Draft Checking Account is the one you will want to manage your family’s financial affairs on a daily basis. Once you open your account, making deposits is easy using our Direct Deposit or Payroll Deduction service.

  • No Minimum Balance, however, you must be a member of the Credit Union with a share account balance of $100.00
  • No Per-Check Charges
  • Unlimited Check Writing
  • Monthly Statements
  • Automatic Deposits and/or Payments Available
  • Duplicate Carbon Copies of Checks For Your Records
  • Wide-Selection of Check Designs
  • 24-Hour Access via Call-24, our toll-free telephone teller
  • Access Nationwide via a MidState FCU VISA Debit or ATM Card
  • Payroll Deductions & Direct Deposit Available
  • Automatic transfer from your savings account to cover check amount (first $100 in Savings is not available for transfer)
  • Over Draft Protection Available

VISA Debit Check Card

Whether you use this card as a “credit” or a “debit”, the purchase will deduct from your CHECKING account.  In other words, if you say “credit”, the purchase will not get billed to a credit card.  You must have a checking account before you apply for the VISA debit check card.  You will receive a VISA debit check card upon approval.

What is the difference?

Debit – If you say “debit”, the transaction is processed through the ATM network and you must use a personal identification number (pin).

Credit – If you say “credit”, the transaction is processed through the VISA network.

It all depends on personal preference.  But here is a little-known fact: When you choose “credit” and sign for the purchase, it will give you the “power” of VISA International on your side in the form of chargeback privilege's and it actually helps your credit union and other members because VISA transactions are more efficient and less costly than ATM transactions.

Lost/Stolen number to call: 1-888-241-2510

Holiday & Vacation Club Accounts
Save for year-end holiday shopping and vacation travel with our Holiday and Vacation Club Accounts.

  • No minimum Balance to Open Account
  • Payroll Deductions Available
  • Dividends Paid Monthly

Term Share Certificate Accounts
MidState FCU offers a selection of certificate accounts to suit your financial needs. Dividends are paid to your account monthly. Upon request we will transfer those dividends to your account. Call the credit union for more information.

  • Selection of Certificate Terms – 6, 12, 24, 36, 48, and 60 months
  • Competitive Dividend Rates
  • $500 Minimum Deposit
  • Special JUMBO CD Rates

Individual Retirement Accounts
The Credit Union offers members three types of IRAs to save for retirement and/or their children’s education. Choose from the Traditional IRA, ROTH IRA or Coversdell Education Savings Account.