Cash Rewards

ATM Fees Refunded

No Monthly Maintenance Fees

Higher Rate of Return on CheckingSee inside for details.

Ask how you can

GET REWARDED IN CASH.

“

Your voice, as a credit union member is effective.– Chuck Albrecht,

President / CEO

”

Credit Unions are a Smarter Choice.

Contact MMFCU Member Services for additional information, details, restrictions, processing limitations and enrollment instructions. Certain restrictions apply. Federally insured by NCUA.

What’s Kasasa? It’s a catchy word for saving you money!

MMFCU INFORMATION

PRESIDENT’S MESSAGE

By joining Mid Minnesota Federal Credit Union, you made the smart choice to protect your family’s financial future.

Mid Minnesota is a not-for-profit financial cooperative owned by members like you. Because we are not-for-profit and owned by our members, credit unions are tax exempt.

We don’t answer to Wall Street investors or worry about generating returns for stockholders. Credit unions are invested in local communities and local businesses – not in the stock market. Our only concern is providing high-quality services and products to our members at the most affordable rates possible. That’s why we return any gains to you through lower interest rates on loans and higher rates on savings.

The for-profit banks don’t like our member-driven cooperative model. They are afraid of consumer competition from credit unions and of our commitment to helping grow the middle class, unlike their goal of padding banking industry profits. You can learn more about the credit union difference at asmarterchoice.org/credit-union-difference

If we want Mid Minnesota to stay strong and protect our families’ financial futures, we have to ensure credit unions stay top-of-mind for lawmakers in Washington, D.C., and in state legislatures. Elected officials hear from bank lobbyists all the time. To match them, we must all step up and tell Congress and state lawmakers the credit union story, that credit unions are a consumer’s safest and best option in financial services, and the strongest advocate for the middle class.

Nothing is more powerful to elected officials than when they hear from their constituents’, especially as new federal and state chambers start their new sessions. Your voice, as a credit union member, is more effective than any bank lobbyist, period.

Thank you for being a member of Mid Minnesota. Take your membership to the next level by helping us fight for the protection of credit unions.

As one of 115 million credit union members across the country, your opinion matters!

With Kasasa, earning cash rewards and ATM withdrawal fee refunds is super simple. To qualify each month, just do really convenient things that you’re probably doing already! Mid Minnesota offers two options to choose from.

FREE KASASA CASH® CHECKING· 2.00% APY on balances up to $10,000· 0.15% APY on balances over $10,000· 0.01% APY even if qualifications are not met· Refunds on ATM withdrawal fees nationwide, up to $25 per month· Can link to a free Kasasa Saver® account to build savings

automatically· No minimum balance to earn rewards and no monthly

maintenance fee

FREE KASASA CASH BACK® CHECKING· 2.00% cash back on debit card purchases· Earn up to $96 cash back per year, $8 per month· Refunds on ATM withdrawal fees nationwide, up to $25 per month· Can link to free Kasasa Saver® account to build savings automatically· No minimum balance to earn rewards and no monthly

maintenance fee

FREE KASASA SAVER®· Links to free Kasasa Cash or Kasasa Cash Back Checking· Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings· 1.00% APY on balances up to $25,000· 0.15% APY on balances above $25,000· 0.01% APY even if qualifications are not met in Kasasa Cash

or Kasasa Cash Back· No minimum balance to earn rewards and no monthly

maintenance fee

MONTHLY QUALIFICATIONSEnrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

· At least 1 ACH credit or ACH payment transaction· At least 12 debit card purchases· Be enrolled in and agree to receive eDocs

Consumer Loans to Fit Your Lifestyle.

Mid Minnesota Federal Credit Union is the perfect place to get your car loan, boat loan or home

loan. But, did you know we can also most likely insure these purchases for you too?

The Insurance Office, located at our Brainerd facility, offers a full menu of property and casualty services including auto, recreation, home, and life insurance. Insurance Office Manager Steve Isackson, along with Craig Holm and Deb Schleusner are independent agents, meaning they’ll search across many providers for the best rates and terms.

Already insured? Check with The Insurance Office for a rate comparison. A no-obligation review can guarantee you have enough coverage and are paying a fair premium. Visit our Brainerd location, call (218) 828-1118 to find out more or go online at mmfcu.org to request a free quote!

MMFCU NEWS

2019 Mid Minnesota Federal Credit Union Annual MeetingYou’re invited! Please join us on Wednesday, April 24th, 2019 at Arrowwood Lodge, Baxter, at 6:00pm. You will learn about the accomplishments of the past year and what you can look forward to for the future. There will also be refreshments, prize drawings and free giveaways!

APRIL

Beginning the process of a loan doesn’t need to be stressful or time consuming.

No matter what type of loan you are considering, Mid Minnesota will offer you responsive service, assistance in understanding your options, a timely decision, and a competitive rate. Best of all, you will be working with a credit union that knows and values you and is committed to meeting all of your financial needs for years to come!

VEHICLE LOANSMost lenders offer a lower rate for brand new models. We do too, however we have a different definition of “NEW”! Current model years, plus any vehicle up to three model years old will receive our new vehicle rate.

BOAT/SNOWMOBILE LOANSWhen you’re in the market for summer or winter toys, we can help. Borrow up to the full amount of your purchase, and even a few dollars more for accessories.

MMFCU VISAMid Minnesota offers a 6-month introductory rate of 1.99% APR* on our VISA Signature Rewards, VISA Classic and VISA Platinum Rewards Credit Cards! Mid Minnesota’s Credit Cards provide local servicing, low rates, flexible terms, and 24-hour account access. And, with several great cards to choose from, we have just the one for you.

PROPERTY IMPROVEMENT LOANSWhat can a Property Improvement Loan cover? Virtually everything… Build a shed, tar the driveway, construct a deck, add a new roof, remodel the kitchen and more! It’s not an equity loan, it’s an improvement loan!

You can begin your loan journey over the phone at (218) 829-0371 or at our secure website 24 hours a day online at mmfcu.org! *Certain restrictions apply. Subject to credit approval.

Welcome! Brooke Ames has recently joined Mid Minnesota in our Detroit Lakes location. Ames brings over 18 years of experience in the financial industry, with 13 years focused on helping people into the home of their dreams! MMFCU is excited to have her serving our Detroit Lakes area and the surrounding community with all mortgage needs!

Brooke Ames is Mid Minnesota’s newest Home Loan Consultant

(L to R): Steve Isackson, Craig Holm & Debra Schleusner

Apply Today!

We’re With You All The Way.

WWW.MMFCU.ORG

> LOCATIONSAITKIN Ph: (218) 928-8001ALEXANDRIA Ph: (320) 762-2686BAXTER Ph: (218) 829-0371BRAINERD Ph: (218) 829-0371CROSBY Ph: (218) 546-5428

Crosby Office: 117 W. Main St.Detroit Lakes: 1405 U.S. Hwy 10 W.Essentia Health - St. Joseph’s Medical Center: 523 N. 3rd St., BrainerdLittle Falls Office: 307 1st St. S.E.Pequot Lakes Office: 30563 Patriot Ave.Staples Office: 1220 N. 4th St.Twin Valley: 122 Main Ave. W.

Equal Housing Lender. Federally Insured by NCUA.

SUPERVISORY COMMITTEEPO Box 65, Brainerd, MN 56401

DETROIT LAKES Ph: (218) 844-5540 LITTLE FALLS Ph: (320) 632-6679 PEQUOT LAKES Ph: (218) 568-8450 STAPLES Ph: (218) 894-2463 TWIN VALLEY Ph: (218) 584-5499

> ATM SERVICE – NO SURCHARGES!Aitkin Office: 961 2nd St. N.W.Alexandria Office: 405 50th Ave. W.Baxter Drive-Through: 8500 Fairview Rd. S. of Westgate Mall along Hwy 210.Baxter Office: 13283 Isle Dr.Brainerd Office: 200 S. 6th St.Brainerd SAVE: Hwy 371 S.Central Lakes College: 501 W. College Dr., Brainerd

MID MINNESOTA FEDERAL CREDIT UNION

EDUCATIONAL WORKSHOPS

Education Network

Workshops are FREE and open to the public. Call your local branch to reserve your seat. Registration may be different for individual events. Please review each opportunity for registration information.

Improving your Financial Well-Being

COMMUNITY SHRED DAYSMid Minnesota Federal Credit Union and Paper Storm are partnering to keep you safe from identity theft with a Community Shred Day. Stop by Mid Minnesota’s parking lot to have your personal documents shredded in a Paper Storm mobile document shredding truck for FREE. Shred Day will take place rain or shine, and there’s no charge for this service, however please limit yourself to three boxes of documents per person.

MONDAY, JUNE 3 Baxter Branch . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12:00pm – 1:00pm Pequot Branch . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3:00pm – 4:00pm

MONDAY, JUNE 10Brainerd Branch . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12:00pm – 1:00pm

THURSDAY, JUNE 13Aitkin Branch . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12:00pm – 1:00pm Crosby Branch . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2:00pm – 3:00pm

MONDAY, JUNE 17Little Falls Branch . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11:00am – 12:00pm Staples Branch . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1:00pm – 2:00pm

TUESDAY, JUNE 18Alexandria Branch . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11:00am – 12:00pm

TUESDAY, JULY 9Detroit Lakes Branch . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11:00am – 12:00pm

MAMA MIA! AT THE CHANHASSEN DINNER THEATREWednesday, April 10

One mom. One daughter. Three possible dads. And a trip down the aisle you’ll never forget! It’s sequins, spandex and feather boas on a Greek Island paradise! Get ready to have the time of your life with Mamma Mia!

• We will depart from the NE corner of the Baxter Wal-Mart, at 8:30am and then from the NE corner of the Little Falls Wal-Mart at 9:00am in a motor coach.

• Leaving the theater at 3:30pm, returning to Little Falls at 6:30pm and Baxter at 7:00pm.

• The day includes lunch with a variety of menu options to choose from. Select beverages are also included.

• Cost - $75 per person for members ($85 for nonmembers) includes transportation, lunch, gratuity and the show.

(Cash or checks made out to MMFCU may be turned in the morning of departure)

Call (218) 829-0371 or stop by your local branch to reserve your seat.

MN SAFETY DRIVER IMPROVEMENT COURSEThe program will give participates a better understanding of vehicle and traffic safety, new technology, physical changes, increased driving risks as we age, changes to laws, and the decisions drivers can make to be safer on the road.

AITKIN BRANCH4-Hour Refresher . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . April 16, 1:00pm – 5:00pm Cost: $22.00

8-Hour Initial Course . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . April 17, 9:00am – 5:00pm Cost: $26.00

REGISTRATIONTo register for this program call 1-888-234-1294 or go to mnsafetycenter.org