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PO Box 2165, Midland, MI 48641
NCUA Insured3.7 (109 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1936

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 2165

Midland, MI 48641

Service Area

This credit union is located in Midland and serves members in the MI area. Currently serving 67,490 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.48%

Used Auto Loan

8.24%

Personal Loan

14.61%

Credit Card APR

12.05%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MI

Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(11 total)

Member Reviews

3.7

109 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Tim Frayer

Tim Frayer

5 months ago

I've been with MFCU for about 20 years. I appreciate the Evart Branch and how they take care of my needs. I have used other branches but Evart is my preferred branch.

Haley Baker

Haley Baker

3 months ago

After paying my loan payment and it being more than I was supposed too. I dropped it down so I could pay some bills. Well they ended up taking a double payment from me and left me broke. Without asking!

Kamaemae Fa

Kamaemae Fa

6 months ago

You go and ask for a small loan, loan officer Amber takes information and says she will call with an answer. Well no call and no letter saying approved or denied this was 11/6/25 it’s almost 2 weeks later and no reply.

Lucy Root

Lucy Root

7 months ago

Very nice costumer service at every branch I have gone to. They are very understanding of all my needs.

Natasha Yancer

Natasha Yancer

a year ago

Tried for 3 years to get a mortgage through this bank. Did absolutely everything they wanted us to do. The first two times Melissa the loan specialist never got back ahold of us in a timely manner we had to refile and application 2 time them times. This last time she told us there would be no reason for us to be denied. Turned all the information in and she called us two days later saying we were denied but should refile. Mine and my husbands credit scores have dropped from the amount of times they pulled it in the last 3 years. Would never recommend going through them for any type of loan at all. They also freeze your account whenever you take money out. Will never use this bank and will be finding another to take over my other loans so I don’t have to deal with them at all.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).